PeoplesTrust Bank in Hamilton, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

PeoplesTrust Bank - Overview

  • General
  • FDIC Certificate #: 57569
    Status: Active
    Federal Reserve ID: 3282012
    Bank Holding Company (Regulatory Top Holder): Hometown Bancshares, Inc. (RSSDID: 3231373, Location: Hamilton, AL)
    Date Established: July 23, 2004
    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 #: 365644
    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: July 23, 2004
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1281 Military Street South, Hamilton, AL 35570
    County: Marion
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $87.1 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $78.3 mil
    Return on assets (ROA): 0.46% ($0.4 mil)
    Quarterly return on assets: 0.30% ($0.3 mil)
    Return on Equity (ROE): 4.88% ($0.4 mil)
    Quarterly return on equity: 3.23% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.62% ($540.2 mil)
    Quarterly Pretax return on assets: 0.32% ($278.8 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
  • 22Total employees (full-time equivalent)
  • $87,128Total assets
  • $4,786Cash and due from depository institutions
  • $168Interest-bearing balances
  • $31,322Securities
  • $3,262Federal funds sold & reverse repurchase agreements
  • $44,476Net loans & leases
  • $695Loan loss allowance
  • $0Trading account assets
  • $1,936Bank premises and fixed assets
  • $214Other real estate owned
  • $490Goodwill and other intangibles
  • $87,128Life insurance assets
  • $642All other assets
  • $79,074Total liabilities and capital
  • $78,304Total liabilities
  • $63,180Total deposits
  • $78,304Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $770Subordinated debt
  • $8,054All other liabilities
  • $8,054Total equity capital
  • $8,054Total bank equity capital
  • $0Perpetual preferred stock
  • $7Common stock
  • $6,493Surplus
  • $1,554Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,318Income earned, not collected on loans
  • $0Earning assets
  • $343Long-term assets (5+ years)
  • $79,228Average Assets, year-to-date
  • $29,108Average Assets, quarterly
  • $81,188Volatile liabilities
  • $87,711Insider loans
  • $55,677FHLB advances
  • $86,236Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,895Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,135Restructured Loans and leases
  • $1,988Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,216Total interest income
  • $765Total interest expense
  • $2,451Net interest income
  • $454Provision for loan and lease losses
  • $535Total noninterest income
  • $0Fiduciary activities
  • $390Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $2,036Total noninterest expense
  • $961Salaries and employee benefits
  • $242Premises and equipment expense
  • $833Additional noninterest expense
  • $496Pre-tax net operating income
  • $10Securities gains (losses)
  • $131Applicable income taxes
  • $375Income before extraordinary items
  • $0Extraordinary gains - net
  • $375Net income attributable to bank
  • $0Net charge-offs
  • $375Cash dividends
  • $485Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 4.88%Return on equity (ROE)
  • 4.88%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 93.61%Credit loss provision to net charge-offs
  • 1.96%Efficiency ratio
  • 68,185Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 52.73%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 2.92%Net loans and leases to deposits
  • 56.80%Net loans and leases to core deposits
  • 58.87%Equity capital to assets
  • 9.24%Core capital (leverage) ratio
  • 8.00%Tier 1 risk-based capital ratio
  • 12.38%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $81,188Average earning assets
  • $7,691Average equity
  • $72,957Average loans

List of branches

  • 3 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0365644Peoplestrust Bank1281 Military Street South, Hamilton, AL 35570July 23, 2004Full Service Brick and Mortar
    1180918Hackleburg Branch34888 U.S. Highway 43, Hackleburg, AL 35564June 30, 1997Full Service Brick and Mortar
    2483148Florence Branch1131 Willis Avenue, Florence, AL 35630November 24, 2008Full Service Brick and Mortar

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