Peoples Community National Bank in Bremen, Georgia (GA)



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Peoples Community National Bank routing number info

Table of contents:
Peoples Community National Bank
GeneralFDIC Certificate #: 57686
Status: Active
Federal Reserve ID: 3272956
Bank Holding Company (Regulatory Top Holder): Pcnb Bancshares, Inc. (RSSDID: 3272947, Location: Bremen, GA)
Date Established: October 04, 2004
WWW: http://www.pcnb.us
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 419715
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: October 04, 2004
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 400 U.S. Highway 27 Bypass, Bremen, GA 30110
County: Haralson
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $55.9 mil
Equity capital: $4.8 mil
Deposits held in domestic offices: $50.7 mil
Return on assets (ROA): -4.73% (-$2.6 mil)
Quarterly return on assets: -5.32% (-$3.0 mil)
Return on Equity (ROE): -48.81% (-$2.4 mil)
Quarterly return on equity: -58.00% (-$2.9 mil)
Net income: -$2.8 mil
Quarterly Net income: -$0.7 mil
Pretax return on assets: -4.73% (-$2,642.4 mil)
Quarterly Pretax return on assets: -5.32% (-$2,972.0 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)22
Total assets$55,865
Cash and due from depository institutions$5,240
Interest-bearing balances$5,089
Securities$11,415
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$32,507
Loan loss allowance $1,392
Trading account assets$0
Bank premises and fixed assets$2,108
Other real estate owned$3,724
Goodwill and other intangibles$0
All other assets$871
Life insurance assets$55,865
Total liabilities and capital$51,107
Total liabilities$50,729
Total deposits$47,417
Interest-bearing deposits$50,729
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $378
All other liabilities $4,758
Total equity capital$4,758
Total bank equity capital$4,758
Perpetual preferred stock$0
Common stock$10,867
Surplus$11,083
Undivided profits $-17,192
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,182
Earning assets $0
Long-term assets (5+ years) $214
Average Assets, year-to-date $49,011
Average Assets, quarterly $7,164
Volatile liabilities $59,936
Insider loans $54,574
FHLB advances $38,073
Loans and leases held for sale $54,030
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,397
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,009
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,507
Total interest expense $556
Net interest income $1,951
Provision for loan and lease losses $1,057
Total noninterest income $218
Fiduciary activities $0
Service charges on deposit accounts $175
Trading account gains & fees $0
Additional noninterest income $43
Total noninterest expense $3,999
Salaries and employee benefits $1,841
Premises and equipment expense $290
Additional noninterest expense $1,868
Pre-tax net operating income -$2,887
Securities gains (losses) $50
Applicable income taxes $0
Income before extraordinary items -$2,837
Extraordinary gains - net $0
Net income attributable to bank -$2,837
Net charge-offs $0
Cash dividends -$2,837
Sale, conversion, retirement of capital stock, net $886
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.72%
Cost of funding earning assets 1.05%
Net interest margin 3.67%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 7.52%
Net operating income to assets -4.82%
Return on assets (ROA) -4.73%
Pretax return on assets -4.73%
Return on equity (ROE) -48.81%
Retained earnings to average equity (YTD only) -48.81%
Net charge-offs to loans 2.47%
Credit loss provision to net charge-offs 119.30%
Efficiency ratio-2.07%
Assets per employee$184,371
Cash dividends to net income (YTD only)2.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.11%
Noncurrent assets plus other real estate owned to assets 117.77%
Noncurrent loans to loans 8.78%
Net loans and leases to deposits3.49%
Net loans and leases to core deposits 64.08%
Equity capital to assets 64.50%
Core capital (leverage) ratio 8.52%
Tier 1 risk-based capital ratio 8.14%
Total risk-based capital ratio 11.55%
Memoranda
Average assets$13
Average earning assets$59,936
Average equity $5,812
Average loans $53,164
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2 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0419715Peoples Community National Bank400 U.S. Highway 27 Bypass, Bremen, GA 30110October 04, 2004Full Service Brick and Mortar
1492733Peoples Community National Bank Bran2066 Highway 78, Tallapoosa, GA 30176December 04, 2007Full Service Brick and Mortar
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