Peoples State Bank in Jeffersonville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 30, 2010

  • Peoples State Bank in Jeffersonville, Georgia (GA)
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Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 19786
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sunrise Bank (#58185)
    Federal Reserve ID: 226734
    Date Established: January 01, 1934
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 13580
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 31, 1968
    Last Structure Change Effective Date: July 30, 2010
    Last Structure Change Process Date: August 25, 2010
    Last Data Update: August 25, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 207 Main Street, Jeffersonville, GA 31044
    County: Twiggs
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Macon, GA (#4680)
    Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
    Core Based Statistical Area (CBSA): Macon, GA (#31420)
    CBSA Metro Statistical Area: Macon, GA (#31420)
  • Financial Summary
  • Total assets: $25.0 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, 2009)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $26,175Total assets
  • $5,034Cash and due from depository institutions
  • $4,078Interest-bearing balances
  • $1,278Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $18,137Net loans & leases
  • $539Loan loss allowance
  • $0Trading account assets
  • $586Bank premises and fixed assets
  • $321Other real estate owned
  • $253Goodwill and other intangibles
  • $0Life insurance assets
  • $566All other assets
  • $26,175Total liabilities and capital
  • $23,599Total liabilities
  • $23,553Total deposits
  • $19,462Interest-bearing deposits
  • $23,553Deposits held in domestic offices
  • 98.56%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $46All other liabilities
  • $2,576Total equity capital
  • $2,576Total bank equity capital
  • $2,576Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $4,291Undivided profits
  • Memoranda
  • $-1,915Noncurrent loans and leases
  • $928Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,075Earning assets
  • $0Long-term assets (5+ years)
  • $103Average Assets, year-to-date
  • $23,493Average Assets, quarterly
  • $5,033Volatile liabilities
  • $28,270Insider loans
  • $26,508FHLB advances
  • $5,094Loans and leases held for sale
  • $275Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $928Total unused commitments
  • $43Restructured Loans and leases
  • $227Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $1,196Total interest income
  • $439Total interest expense
  • $757Net interest income
  • $385Provision for loan and lease losses
  • $126Total noninterest income
  • $0Fiduciary activities
  • $129Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3Additional noninterest income
  • $3,121Total noninterest expense
  • $394Salaries and employee benefits
  • $118Premises and equipment expense
  • $2,609Additional noninterest expense
  • -$2,623Pre-tax net operating income
  • $7Securities gains (losses)
  • -$276Applicable income taxes
  • -$2,340Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,340Net income attributable to bank
  • $0Net charge-offs
  • -$2,340Cash dividends
  • $212Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 1.83%Cost of funding earning assets
  • 3.16%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 13.01%Noninterest expense to earning assets
  • -8.30%Net operating income to assets
  • -8.28%Return on assets (ROA)
  • -9.25%Pretax return on assets
  • -58.95%Return on equity (ROE)
  • -58.95%Retained earnings to average equity (YTD only)
  • 1.04%Net charge-offs to loans
  • 181.60%Credit loss provision to net charge-offs
  • -10.56%Efficiency ratio
  • 137,259Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.89%Loss allowance to noncurrent loans
  • 50.14%Noncurrent assets plus other real estate owned to assets
  • 5.33%Noncurrent loans to loans
  • 5.76%Net loans and leases to deposits
  • 77.01%Net loans and leases to core deposits
  • 98.26%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 12.97%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $28,270Average earning assets
  • $3,969Average equity
  • $23,981Average loans

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