Peoples Community National Bank in Bremen, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Community National Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 22Total employees (full-time equivalent)
  • $55,865Total assets
  • $5,240Cash and due from depository institutions
  • $5,089Interest-bearing balances
  • $11,415Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $32,507Net loans & leases
  • $1,392Loan loss allowance
  • $0Trading account assets
  • $2,108Bank premises and fixed assets
  • $3,724Other real estate owned
  • $0Goodwill and other intangibles
  • $55,865Life insurance assets
  • $871All other assets
  • $51,107Total liabilities and capital
  • $50,729Total liabilities
  • $47,417Total deposits
  • $50,729Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $378Subordinated debt
  • $4,758All other liabilities
  • $4,758Total equity capital
  • $4,758Total bank equity capital
  • $0Perpetual preferred stock
  • $10,867Common stock
  • $11,083Surplus
  • $-17,192Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,182Income earned, not collected on loans
  • $0Earning assets
  • $214Long-term assets (5+ years)
  • $49,011Average Assets, year-to-date
  • $7,164Average Assets, quarterly
  • $59,936Volatile liabilities
  • $54,574Insider loans
  • $38,073FHLB advances
  • $54,030Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,397Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,009Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,507Total interest income
  • $556Total interest expense
  • $1,951Net interest income
  • $1,057Provision for loan and lease losses
  • $218Total noninterest income
  • $0Fiduciary activities
  • $175Service charges on deposit accounts
  • $0Trading account gains & fees
  • $43Additional noninterest income
  • $3,999Total noninterest expense
  • $1,841Salaries and employee benefits
  • $290Premises and equipment expense
  • $1,868Additional noninterest expense
  • -$2,887Pre-tax net operating income
  • $50Securities gains (losses)
  • $0Applicable income taxes
  • -$2,837Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,837Net income attributable to bank
  • $0Net charge-offs
  • -$2,837Cash dividends
  • $886Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 7.52%Noninterest expense to earning assets
  • -4.82%Net operating income to assets
  • -4.73%Return on assets (ROA)
  • -4.73%Pretax return on assets
  • -48.81%Return on equity (ROE)
  • -48.81%Retained earnings to average equity (YTD only)
  • 2.47%Net charge-offs to loans
  • 119.30%Credit loss provision to net charge-offs
  • -2.07%Efficiency ratio
  • 184,371Assets per employee
  • 2.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.11%Loss allowance to noncurrent loans
  • 117.77%Noncurrent assets plus other real estate owned to assets
  • 8.78%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 64.08%Net loans and leases to core deposits
  • 64.50%Equity capital to assets
  • 8.52%Core capital (leverage) ratio
  • 8.14%Tier 1 risk-based capital ratio
  • 11.55%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $59,936Average earning assets
  • $5,812Average equity
  • $53,164Average loans

List of branches

  • 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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