PeoplesSouth Bank in Colquitt, Georgia (GA), AL, FL

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PeoplesSouth Bank
GeneralFDIC Certificate #: 21292
Status: Active
Federal Reserve ID: 518037
Bank Holding Company (Regulatory Top Holder): Peoplessouth Bancshares, Inc. (RSSDID: 1866155, Location: Colquitt, GA)
Date Established: October 19, 1973
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 19 (Domestic: 19, Interstate: Yes)
OTS Docket #: 15773
FDIC's unique #: 14733
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: October 19, 1973
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
LocationAddress: 203 Crawford Street, Colquitt, GA 39837
County: Miller
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $534.5 mil
Equity capital: $49.8 mil
Deposits held in domestic offices: $446.4 mil
Return on assets (ROA): 0.51% ($2.7 mil)
Quarterly return on assets: 0.56% ($3.0 mil)
Return on Equity (ROE): 5.81% ($2.9 mil)
Quarterly return on equity: 6.01% ($3.0 mil)
Net income: $2.7 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.77% ($4,115.8 mil)
Quarterly Pretax return on assets: 1.00% ($5,345.2 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)
Total employees (full-time equivalent)107
Total assets$534,523
Cash and due from depository institutions$34,863
Interest-bearing balances$29,911
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$315,633
Loan loss allowance $6,264
Trading account assets$0
Bank premises and fixed assets$13,052
Other real estate owned$17,348
Goodwill and other intangibles$0
All other assets$9,561
Life insurance assets$534,523
Total liabilities and capital$484,702
Total liabilities$446,350
Total deposits$389,012
Interest-bearing deposits$446,350
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$37,000
Other borrowed funds $0
Subordinated debt $1,352
All other liabilities $49,821
Total equity capital$49,821
Total bank equity capital$49,821
Perpetual preferred stock$0
Common stock$1,095
Undivided profits $5,821
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $10,615
Earning assets $0
Long-term assets (5+ years) $2,641
Average Assets, year-to-date $489,610
Average Assets, quarterly $149,331
Volatile liabilities $537,895
Insider loans $530,784
FHLB advances $355,843
Loans and leases held for sale $536,165
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $48,617
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $28,923
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $22,861
Total interest expense $6,590
Net interest income $16,271
Provision for loan and lease losses $2,320
Total noninterest income $2,454
Fiduciary activities $0
Service charges on deposit accounts $1,461
Trading account gains & fees $0
Additional noninterest income $993
Total noninterest expense $13,077
Salaries and employee benefits $5,214
Premises and equipment expense $1,243
Additional noninterest expense $6,620
Pre-tax net operating income $3,328
Securities gains (losses) $836
Applicable income taxes $1,415
Income before extraordinary items $2,749
Extraordinary gains - net $0
Net income attributable to bank $2,749
Net charge-offs $0
Cash dividends $2,749
Sale, conversion, retirement of capital stock, net $2,819
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.64%
Cost of funding earning assets 1.34%
Net interest margin 3.30%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 2.65%
Net operating income to assets 0.41%
Return on assets (ROA) 0.51%
Pretax return on assets 0.77%
Return on equity (ROE) 5.81%
Retained earnings to average equity (YTD only) 5.81%
Net charge-offs to loans 0.84%
Credit loss provision to net charge-offs 82.30%
Efficiency ratio2.00%
Assets per employee$69,837
Cash dividends to net income (YTD only)5.00%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.95%
Noncurrent assets plus other real estate owned to assets 59.01%
Noncurrent loans to loans 5.23%
Net loans and leases to deposits3.30%
Net loans and leases to core deposits 70.71%
Equity capital to assets 79.25%
Core capital (leverage) ratio 9.32%
Tier 1 risk-based capital ratio 9.07%
Total risk-based capital ratio 13.66%
Average assets$15
Average earning assets$537,895
Average equity $47,342
Average loans $492,684
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8 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
634Peoples Community Columbia Branch109 East Church Street, Columbia, AL 36319October 21, 1912Full Service Brick and Mortar
7180922Westside Branch2926 Ross Clark Circle, Dothan, AL 36301December 21, 1992Full Service Brick and Mortar
81137Ashford Branch414 Broadway, Ashford, AL 36312Febuary 20, 1920Full Service Brick and Mortar
9180923Abbeville Branch519 Kirkland Street, Abbeville, AL 36310June 15, 1994Full Service Brick and Mortar
10180924Ozark Branch101 Painter Avenue, Ozark, AL 36360January 02, 1996Full Service Brick and Mortar
11180925Eufaula Branch1245 South Eufaula Avenue, Eufaula, AL 36027December 13, 1996Full Service Brick and Mortar
17458272Headland Branch617 East Church Street, Headland, AL 36345January 11, 2007Full Service Brick and Mortar
20474359Dothan North Branch2861 John D Odom Road, Dothan, AL 36303April 28, 2008Full Service Brick and Mortar
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6 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1210155Malone-Pcb, The Community Branch5408 Tenth Street, Malone, FL 32445January 02, 1943Full Service Brick and Mortar
13235930Greenwood Branch4192 Bryan St., Greenwood, FL 32443Febuary 16, 1982Full Service Brick and Mortar
14235932Marianna Branch2546 Commercial Park Drive, Marianna, FL 32446June 01, 1999Full Service Brick and Mortar
15365561Chipley Branch1615 Main Street, Highway 77, Chipley, FL 32428October 21, 2002Full Service Brick and Mortar
16458051Bonifay Branch2020 South Waukesha Street, Bonifay, FL 32425January 16, 2007Full Service Brick and Mortar
18465412Sneads Branch8146 Highway 90, Sneads, FL 32460July 16, 2007Full Service Brick and Mortar
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5 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
014733Peoplessouth Bank203 Crawford Street, Colquitt, GA 39837October 19, 1973Full Service Brick and Mortar
3252614Dougherty County Branch701 Westover Road, Albany, GA 31701January 13, 1997Full Service Brick and Mortar
4252615Sumter County Branch102 N Prince Street, Americus, GA 31709January 20, 1998Full Service Brick and Mortar
5294931Bainbridge BranchU.S. Highway 27 And Douglas Drive, Bainbridge, GA 39817October 15, 1998Full Service Brick and Mortar
19468178Donalsonville Branch118 West Second Street, Donalsonville, GA 39845September 17, 2007Full Service Brick and Mortar
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