Peoples State Bank of Commerce in Nolensville, Tennessee (TN), AL
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples State Bank of Commerce in Nolensville, Tennessee (TN), AL
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Peoples State Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 1701
    Status: Active
    Federal Reserve ID: 501758
    Bank Holding Company (Regulatory Top Holder): Commerce Bancshares, Inc. (RSSDID: 2261805, Location: Franklin, TN)
    Date Established: June 01, 1916
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: Yes)
    OTS Docket #: 9376
    FDIC's unique #: 1121
    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 23, 2011
    Last Structure Change Process Date: March 25, 2011
    Last Data Update: March 25, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 7122 Nolensville Road, Nolensville, TN 37135
    County: Williamson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
    Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
    Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
    CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
  • Financial Summary
  • Total assets: $225.2 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $199.4 mil
    Return on assets (ROA): -6.11% (-$13.7 mil)
    Quarterly return on assets: -12.71% (-$28.6 mil)
    Return on Equity (ROE): -59.93% (-$9.0 mil)
    Quarterly return on equity: -160.84% (-$24.1 mil)
    Net income: -$14.9 mil
    Quarterly Net income: -$7.4 mil
    Pretax return on assets: -6.81% (-$15,339.3 mil)
    Quarterly Pretax return on assets: -15.99% (-$36,016.8 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
  • 63Total employees (full-time equivalent)
  • $225,246Total assets
  • $26,226Cash and due from depository institutions
  • $16,783Interest-bearing balances
  • $28,564Securities
  • $6,802Federal funds sold & reverse repurchase agreements
  • $139,447Net loans & leases
  • $3,017Loan loss allowance
  • $0Trading account assets
  • $11,245Bank premises and fixed assets
  • $5,724Other real estate owned
  • $2,813Goodwill and other intangibles
  • $225,246Life insurance assets
  • $4,425All other assets
  • $210,546Total liabilities and capital
  • $199,438Total liabilities
  • $166,613Total deposits
  • $199,438Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,510Trading liabilities
  • $0Other borrowed funds
  • $598Subordinated debt
  • $14,700All other liabilities
  • $14,700Total equity capital
  • $14,700Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $33,256Surplus
  • $-18,616Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,910Income earned, not collected on loans
  • $0Earning assets
  • $929Long-term assets (5+ years)
  • $191,596Average Assets, year-to-date
  • $20,479Average Assets, quarterly
  • $243,805Volatile liabilities
  • $233,574Insider loans
  • $163,284FHLB advances
  • $232,213Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,659Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,878Restructured Loans and leases
  • $301Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,421Total interest income
  • $1,996Total interest expense
  • $8,425Net interest income
  • $8,915Provision for loan and lease losses
  • $2,015Total noninterest income
  • $0Fiduciary activities
  • $878Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,137Additional noninterest income
  • $18,134Total noninterest expense
  • $3,954Salaries and employee benefits
  • $1,485Premises and equipment expense
  • $12,695Additional noninterest expense
  • -$16,609Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,708Applicable income taxes
  • -$14,901Income before extraordinary items
  • $0Extraordinary gains - net
  • -$14,901Net income attributable to bank
  • $0Net charge-offs
  • -$14,901Cash dividends
  • $9,669Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 8.61%Noninterest expense to earning assets
  • -6.11%Net operating income to assets
  • -6.11%Return on assets (ROA)
  • -6.81%Pretax return on assets
  • -59.93%Return on equity (ROE)
  • -59.93%Retained earnings to average equity (YTD only)
  • 6.00%Net charge-offs to loans
  • 92.20%Credit loss provision to net charge-offs
  • -0.80%Efficiency ratio
  • 126,466Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 30.44%Noncurrent assets plus other real estate owned to assets
  • 6.94%Noncurrent loans to loans
  • 6.96%Net loans and leases to deposits
  • 69.92%Net loans and leases to core deposits
  • 74.40%Equity capital to assets
  • 6.53%Core capital (leverage) ratio
  • 4.16%Tier 1 risk-based capital ratio
  • 5.92%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $243,805Average earning assets
  • $24,866Average equity
  • $210,632Average loans

List of branches

  • 1 Alabama Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    410874Peoples State Bank Of Commerce Branc5399 Main Street, Grant, AL 35747January 10, 1949Full Service Brick and Mortar
  • 8 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01121Peoples State Bank Of Commerce7122 Nolensville Road, Nolensville, TN 37135June 01, 1916Full Service Brick and Mortar
    94121Ardmore Branch26327 Main St, Ardmore, TN 38449Febuary 02, 1918Full Service Brick and Mortar
    11455683Franklin Loan Production Office230 Franklin Road, Franklin, TN 37064October 01, 2006Limited Service Loan Production
    133307South Pittsburg Branch315 S. Cedar Avenue, South Pittsburg, TN 37380January 01, 1887Full Service Brick and Mortar
    14205846Jasper Branch4516 Main Street, Jasper, TN 37347September 05, 1972Full Service Brick and Mortar
    15205847Whitwell Branch13165 Highway 28, Whitwell, TN 37397June 23, 1980Full Service Brick and Mortar
    16491822Peoples State Bank Of Commerce7242 Sr 28, Dunlap, TN 37327June 29, 2009Full Service Retail
    17495710Peoples State Bank Of Commerce Mortg6280 Highway 64, Oakland, TN 38060September 29, 2009Limited Service Loan Production

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