Peoples Exchange Bank of Monroe County in Monroeville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Exchange Bank of Monroe County in Monroeville, Alabama (AL)
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Peoples Exchange Bank of Monroe County - Overview

  • General
  • FDIC Certificate #: 70
    Status: Active
    Federal Reserve ID: 42037
    Bank Holding Company (Regulatory Top Holder): Peoples Exchange Bancshares, Inc. (RSSDID: 1138870, Location: Monreoville, AL)
    Date Established: August 23, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 50
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 01, 2011
    Last Structure Change Process Date: June 09, 2011
    Last Data Update: June 09, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2013 Highway 21 Bypass, Monroeville, AL 36460
    County: Monroe
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $62.6 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $53.6 mil
    Return on assets (ROA): 0.57% ($0.4 mil)
    Quarterly return on assets: 0.20% ($0.1 mil)
    Return on Equity (ROE): 4.26% ($0.4 mil)
    Quarterly return on equity: 1.45% ($0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.74% ($463.1 mil)
    Quarterly Pretax return on assets: 0.29% ($181.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 31Total employees (full-time equivalent)
  • $62,582Total assets
  • $7,365Cash and due from depository institutions
  • $0Interest-bearing balances
  • $11,900Securities
  • $3,826Federal funds sold & reverse repurchase agreements
  • $35,875Net loans & leases
  • $573Loan loss allowance
  • $0Trading account assets
  • $1,551Bank premises and fixed assets
  • $991Other real estate owned
  • $0Goodwill and other intangibles
  • $62,582Life insurance assets
  • $1,074All other assets
  • $53,785Total liabilities and capital
  • $53,637Total liabilities
  • $40,875Total deposits
  • $53,637Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $148Subordinated debt
  • $8,797All other liabilities
  • $8,797Total equity capital
  • $8,797Total bank equity capital
  • $0Perpetual preferred stock
  • $5Common stock
  • $2,000Surplus
  • $6,792Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $713Income earned, not collected on loans
  • $0Earning assets
  • $542Long-term assets (5+ years)
  • $51,601Average Assets, year-to-date
  • $12,709Average Assets, quarterly
  • $64,141Volatile liabilities
  • $63,964Insider loans
  • $45,822FHLB advances
  • $65,717Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,635Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,428Restructured Loans and leases
  • $55Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,145Total interest income
  • $521Total interest expense
  • $2,624Net interest income
  • $12Provision for loan and lease losses
  • $544Total noninterest income
  • $0Fiduciary activities
  • $415Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $2,701Total noninterest expense
  • $1,657Salaries and employee benefits
  • $285Premises and equipment expense
  • $759Additional noninterest expense
  • $455Pre-tax net operating income
  • $20Securities gains (losses)
  • $112Applicable income taxes
  • $363Income before extraordinary items
  • $0Extraordinary gains - net
  • $363Net income attributable to bank
  • $0Net charge-offs
  • $363Cash dividends
  • -$52Sale, conversion, retirement of capital stock, net
  • $130Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.05%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 5.05%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 5.20%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 4.26%Return on equity (ROE)
  • 2.73%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • -23.08%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 85,259Assets per employee
  • 2.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.81%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 80.36%Noncurrent assets plus other real estate owned to assets
  • 2.72%Noncurrent loans to loans
  • 1.96%Net loans and leases to deposits
  • 66.88%Net loans and leases to core deposits
  • 69.44%Equity capital to assets
  • 14.06%Core capital (leverage) ratio
  • 13.14%Tier 1 risk-based capital ratio
  • 18.84%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $64,141Average earning assets
  • $8,529Average equity
  • $51,947Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    050Peoples Exchange Bank Of Monroe Coun2013 Highway 21 Bypass, Monroeville, AL 36460August 23, 1907Full Service Brick and Mortar
    2520262Beatrice Branch1112 Main Street, Beatrice, AL 36425April 01, 2011Full Service Brick and Mortar

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