Peoples Southern Bank in Clanton, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Southern Bank - Overview

  • General
  • FDIC Certificate #: 850
    Status: Active
    Federal Reserve ID: 601733
    Bank Holding Company (Regulatory Top Holder): Psb Bancshares, Inc. (RSSDID: 1426906, Location: Clanton, AL)
    Date Established: January 01, 1901
    WWW: http://www.peoplessouthern.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 536
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 620 Second Avenue North, Clanton, AL 35045
    County: Chilton
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
    Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
    CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $149.2 mil
    Equity capital: $22.9 mil
    Deposits held in domestic offices: $126.1 mil
    Return on assets (ROA): 1.19% ($1.8 mil)
    Quarterly return on assets: 1.30% ($1.9 mil)
    Return on Equity (ROE): 7.77% ($1.8 mil)
    Quarterly return on equity: 8.40% ($1.9 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.24% ($1,850.0 mil)
    Quarterly Pretax return on assets: 1.36% ($2,029.1 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
  • 50Total employees (full-time equivalent)
  • $149,195Total assets
  • $25,062Cash and due from depository institutions
  • $13,088Interest-bearing balances
  • $64,358Securities
  • $5,754Federal funds sold & reverse repurchase agreements
  • $50,916Net loans & leases
  • $1,287Loan loss allowance
  • $0Trading account assets
  • $1,764Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $149,195Life insurance assets
  • $1,341All other assets
  • $126,305Total liabilities and capital
  • $126,108Total liabilities
  • $94,735Total deposits
  • $126,108Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $197Subordinated debt
  • $22,890All other liabilities
  • $22,890Total equity capital
  • $22,890Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $1,502Surplus
  • $21,378Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,208Income earned, not collected on loans
  • $0Earning assets
  • $205Long-term assets (5+ years)
  • $134,116Average Assets, year-to-date
  • $22,030Average Assets, quarterly
  • $146,231Volatile liabilities
  • $147,065Insider loans
  • $72,595FHLB advances
  • $146,233Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,131Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,635Restructured Loans and leases
  • $50Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,803Total interest income
  • $606Total interest expense
  • $4,197Net interest income
  • $53Provision for loan and lease losses
  • $1,435Total noninterest income
  • $0Fiduciary activities
  • $913Service charges on deposit accounts
  • $0Trading account gains & fees
  • $522Additional noninterest income
  • $3,810Total noninterest expense
  • $2,214Salaries and employee benefits
  • $290Premises and equipment expense
  • $1,306Additional noninterest expense
  • $1,769Pre-tax net operating income
  • $37Securities gains (losses)
  • $65Applicable income taxes
  • $1,741Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,741Net income attributable to bank
  • $0Net charge-offs
  • $1,741Cash dividends
  • $176Sale, conversion, retirement of capital stock, net
  • $1,011Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.58%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 3.13%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 7.77%Return on equity (ROE)
  • 3.26%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 30.11%Credit loss provision to net charge-offs
  • 10.35%Efficiency ratio
  • 67,649Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.07%Loss allowance to loans
  • 2.47%Loss allowance to noncurrent loans
  • 106.54%Noncurrent assets plus other real estate owned to assets
  • 0.81%Noncurrent loans to loans
  • 2.31%Net loans and leases to deposits
  • 40.37%Net loans and leases to core deposits
  • 43.67%Equity capital to assets
  • 15.34%Core capital (leverage) ratio
  • 15.13%Tier 1 risk-based capital ratio
  • 30.49%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $146,231Average earning assets
  • $22,395Average equity
  • $134,157Average loans

List of branches

  • 3 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0536Peoples Southern Bank620 Second Avenue North, Clanton, AL 35045January 01, 1901Full Service Brick and Mortar
    2186256Branch SouthHighway 31 South, Clanton, AL 35045November 15, 1990Full Service Brick and Mortar
    3360096Thorsby Branch20688 31 South, Thorsby, AL 35171March 22, 2001Full Service Brick and Mortar

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