Peoples National Bank in Niceville, Florida (FL)

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Peoples National Bank
GeneralFDIC Certificate #: 26687
Status: Active
Federal Reserve ID: 483537
Bank Holding Company (Regulatory Top Holder): Bankshares Corporation Of Niceville (RSSDID: 1363793, Location: Niceville, FL)
Date Established: June 16, 1986
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: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 12093
FDIC's unique #: 35706
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: June 16, 1986
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: 1020 John Sims Parkway, Niceville, FL 32578
County: Okaloosa
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Pensacola
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Fort Walton Beach, FL (#2750)
Core Based Statistical Area (CBSA): Crestview-Fort Walton Beach-Destin, FL (#18880)
CBSA Metro Statistical Area: Crestview-Fort Walton Beach-Destin, FL (#18880)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $111.4 mil
Equity capital: $11.2 mil
Deposits held in domestic offices: $100.1 mil
Return on assets (ROA): 0.04% ($0.0 mil)
Quarterly return on assets: 0.40% ($0.4 mil)
Return on Equity (ROE): 0.49% ($0.1 mil)
Quarterly return on equity: 4.09% ($0.4 mil)
Net income: $0.0 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.04% ($44.6 mil)
Quarterly Pretax return on assets: 0.40% ($445.7 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)
Total employees (full-time equivalent)40
Total assets$111,423
Cash and due from depository institutions$2,529
Interest-bearing balances$678
Federal funds sold & reverse repurchase agreements$9,265
Net loans & leases$64,025
Loan loss allowance $1,187
Trading account assets$0
Bank premises and fixed assets$1,000
Other real estate owned$2,228
Goodwill and other intangibles$0
All other assets$1,713
Life insurance assets$111,423
Total liabilities and capital$100,236
Total liabilities$100,121
Total deposits$88,572
Interest-bearing deposits$100,121
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $115
All other liabilities $11,187
Total equity capital$11,187
Total bank equity capital$11,187
Perpetual preferred stock$0
Common stock$1,079
Undivided profits $8,789
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 $3,355
Earning assets $0
Long-term assets (5+ years) $485
Average Assets, year-to-date $104,631
Average Assets, quarterly $41,217
Volatile liabilities $116,998
Insider loans $112,835
FHLB advances $63,388
Loans and leases held for sale $112,079
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,157
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,353
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,862
Total interest expense $813
Net interest income $5,049
Provision for loan and lease losses $809
Total noninterest income -$357
Fiduciary activities $0
Service charges on deposit accounts $226
Trading account gains & fees $0
Additional noninterest income -$583
Total noninterest expense $4,152
Salaries and employee benefits $1,958
Premises and equipment expense $829
Additional noninterest expense $1,365
Pre-tax net operating income -$269
Securities gains (losses) $318
Applicable income taxes $0
Income before extraordinary items $49
Extraordinary gains - net $0
Net income attributable to bank $49
Net charge-offs $0
Cash dividends $49
Sale, conversion, retirement of capital stock, net $1,398
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 assets5.40%
Cost of funding earning assets 0.75%
Net interest margin 4.65%
Noninterest income to earning assets -0.33%
Noninterest expense to earning assets 3.82%
Net operating income to assets -0.23%
Return on assets (ROA) 0.04%
Pretax return on assets 0.04%
Return on equity (ROE) 0.49%
Retained earnings to average equity (YTD only) 0.49%
Net charge-offs to loans 2.07%
Credit loss provision to net charge-offs 57.87%
Efficiency ratio0.39%
Assets per employee$88,491
Cash dividends to net income (YTD only)2.79%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.82%
Noncurrent assets plus other real estate owned to assets 35.38%
Noncurrent loans to loans 5.01%
Net loans and leases to deposits5.14%
Net loans and leases to core deposits 63.95%
Equity capital to assets 68.11%
Core capital (leverage) ratio 10.04%
Tier 1 risk-based capital ratio 9.95%
Total risk-based capital ratio 17.60%
Average assets$19
Average earning assets$116,998
Average equity $10,062
Average loans $108,647
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3 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
035706Peoples National Bank1020 John Sims Parkway, Niceville, FL 32578June 16, 1986Full Service Brick and Mortar
1360511Freeport Branch15835 331 Business, Freeport, FL 32439Febuary 15, 2001Full Service Brick and Mortar
2433232Defuniak Springs Branch1452 Highway 331, South, Defuniak Springs, FL 32433October 05, 2004Full Service Brick and Mortar
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