Peoples State Bank in Shepherd, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 10345
    Status: Active
    Federal Reserve ID: 586960
    Bank Holding Company (Regulatory Top Holder): Amtex Bancshares, Inc. (RSSDID: 1131899, Location: Orange, TX)
    Date Established: September 21, 1921
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6624
    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: 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: 5850 Highway 59 South, Shepherd, TX 77371
    County: San Jacinto
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $100.9 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $92.2 mil
    Return on assets (ROA): 0.68% ($0.7 mil)
    Quarterly return on assets: 0.62% ($0.6 mil)
    Return on Equity (ROE): 8.22% ($0.7 mil)
    Quarterly return on equity: 7.40% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.91% ($917.8 mil)
    Quarterly Pretax return on assets: 0.67% ($675.7 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
  • 32Total employees (full-time equivalent)
  • $100,854Total assets
  • $8,057Cash and due from depository institutions
  • $2,341Interest-bearing balances
  • $34,659Securities
  • $4,085Federal funds sold & reverse repurchase agreements
  • $48,154Net loans & leases
  • $409Loan loss allowance
  • $0Trading account assets
  • $3,435Bank premises and fixed assets
  • $814Other real estate owned
  • $0Goodwill and other intangibles
  • $100,854Life insurance assets
  • $1,650All other assets
  • $92,622Total liabilities and capital
  • $92,189Total liabilities
  • $73,563Total deposits
  • $92,189Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $433Subordinated debt
  • $8,232All other liabilities
  • $8,232Total equity capital
  • $8,232Total bank equity capital
  • $0Perpetual preferred stock
  • $290Common stock
  • $3,710Surplus
  • $4,232Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $140Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $618Income earned, not collected on loans
  • $0Earning assets
  • $493Long-term assets (5+ years)
  • $89,239Average Assets, year-to-date
  • $23,033Average Assets, quarterly
  • $96,493Volatile liabilities
  • $98,340Insider loans
  • $57,652FHLB advances
  • $96,861Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,818Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,778Restructured Loans and leases
  • $549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,285Total interest income
  • $761Total interest expense
  • $3,524Net interest income
  • $99Provision for loan and lease losses
  • $1,005Total noninterest income
  • $0Fiduciary activities
  • $608Service charges on deposit accounts
  • $0Trading account gains & fees
  • $397Additional noninterest income
  • $3,597Total noninterest expense
  • $1,789Salaries and employee benefits
  • $470Premises and equipment expense
  • $1,338Additional noninterest expense
  • $833Pre-tax net operating income
  • $48Securities gains (losses)
  • $224Applicable income taxes
  • $657Income before extraordinary items
  • $0Extraordinary gains - net
  • $657Net income attributable to bank
  • $0Net charge-offs
  • $657Cash dividends
  • $81Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.07%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 4.16%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 8.22%Return on equity (ROE)
  • 6.34%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 122.22%Credit loss provision to net charge-offs
  • 11.51%Efficiency ratio
  • 79,422Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.83%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 66.18%Noncurrent assets plus other real estate owned to assets
  • 1.42%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 52.23%Net loans and leases to core deposits
  • 59.19%Equity capital to assets
  • 8.16%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $96,493Average earning assets
  • $7,997Average equity
  • $86,525Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06624Peoples State Bank5850 Highway 59 South, Shepherd, TX 77371September 21, 1921Full Service Brick and Mortar
    1222299Coldspring Branch15001 Highway 150 West, Coldspring, TX 77331March 11, 1996Full Service Brick and Mortar
    2222300Livingston Branch2700 Hwy 190 W, Livingston, TX 77351December 07, 1998Full Service Brick and Mortar

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