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

This bank is inactive as of October 26, 2001

  • Peoples State Bank in Henderson, Texas (TX)
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Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 23420
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens National Bank (#3250)
    Federal Reserve ID: 55859
    Date Established: May 26, 1981
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 16122
    FDIC's unique #: 16417
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 26, 1981
    Last Structure Change Effective Date: October 26, 2001
    Last Structure Change Process Date: January 24, 2002
    Last Data Update: January 24, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 2320 Highway 79 South, Henderson, TX 75652
    County: Rusk
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
    Core Based Statistical Area (CBSA): Longview, TX (#30980)
    CBSA Metro Statistical Area: Longview, TX (#30980)
  • Financial Summary
  • Total assets: $60.1 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $53,533Total assets
  • $13,496Cash and due from depository institutions
  • $10,811Interest-bearing balances
  • $5,684Securities
  • $1,875Federal funds sold & reverse repurchase agreements
  • $30,611Net loans & leases
  • $412Loan loss allowance
  • $0Trading account assets
  • $1,230Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $637All other assets
  • $53,533Total liabilities and capital
  • $45,565Total liabilities
  • $45,219Total deposits
  • $36,270Interest-bearing deposits
  • $45,219Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $346All other liabilities
  • $7,968Total equity capital
  • $7,968Total bank equity capital
  • $7,968Perpetual preferred stock
  • $0Common stock
  • $510Surplus
  • $3,500Undivided profits
  • Memoranda
  • $3,958Noncurrent loans and leases
  • $3,704Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $64Earning assets
  • $0Long-term assets (5+ years)
  • $417Average Assets, year-to-date
  • $48,981Average Assets, quarterly
  • $2,086Volatile liabilities
  • $55,477Insider loans
  • $59,574FHLB advances
  • $5,206Loans and leases held for sale
  • $1,043Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,704Total unused commitments
  • $0Restructured Loans and leases
  • $391Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $4,297Total interest income
  • $1,605Total interest expense
  • $2,692Net interest income
  • $48Provision for loan and lease losses
  • $592Total noninterest income
  • $0Fiduciary activities
  • $507Service charges on deposit accounts
  • $0Trading account gains & fees
  • $85Additional noninterest income
  • $2,256Total noninterest expense
  • $1,089Salaries and employee benefits
  • $387Premises and equipment expense
  • $780Additional noninterest expense
  • $980Pre-tax net operating income
  • $0Securities gains (losses)
  • $317Applicable income taxes
  • $663Income before extraordinary items
  • $0Extraordinary gains - net
  • $663Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $64Sale, conversion, retirement of capital stock, net
  • $102Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.46%Yield on earning assets
  • 3.16%Cost of funding earning assets
  • 5.30%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.44%Noninterest expense to earning assets
  • 1.20%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 8.68%Return on equity (ROE)
  • 7.35%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 75.00%Credit loss provision to net charge-offs
  • 16.06%Efficiency ratio
  • 68,697Assets per employee
  • 1.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.38%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 643.75%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 67.69%Net loans and leases to core deposits
  • 76.50%Equity capital to assets
  • 14.88%Core capital (leverage) ratio
  • 14.76%Tier 1 risk-based capital ratio
  • 25.38%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $55,477Average earning assets
  • $7,638Average equity
  • $50,771Average loans

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