Planters Bank & Trust Company in Indianola, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Planters Bank & Trust Company in Indianola, Mississippi (MS)
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Planters Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 8235
    Status: Active
    Federal Reserve ID: 972648
    Bank Holding Company (Regulatory Top Holder): Planters Holding Company (RSSDID: 1096484, Location: Indianola, MS)
    Date Established: April 10, 1920
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Domestic: 15, Interstate: No)
    OTS Docket #: 9989
    FDIC's unique #: 5252
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 06, 2008
    Last Structure Change Process Date: December 09, 2008
    Last Data Update: December 09, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 212 Catchings Street, Indianola, MS 38751
    County: Sunflower
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Indianola, MS (#26940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $662.1 mil
    Equity capital: $59.5 mil
    Deposits held in domestic offices: $597.1 mil
    Return on assets (ROA): 1.23% ($8.1 mil)
    Quarterly return on assets: 1.15% ($7.6 mil)
    Return on Equity (ROE): 13.61% ($8.2 mil)
    Quarterly return on equity: 12.41% ($7.4 mil)
    Net income: $8.0 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 1.70% ($11,255.9 mil)
    Quarterly Pretax return on assets: 1.60% ($10,593.8 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
  • 158Total employees (full-time equivalent)
  • $662,110Total assets
  • $29,595Cash and due from depository institutions
  • $5,786Interest-bearing balances
  • $252,713Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $348,036Net loans & leases
  • $5,836Loan loss allowance
  • $0Trading account assets
  • $11,978Bank premises and fixed assets
  • $1,076Other real estate owned
  • $306Goodwill and other intangibles
  • $662,110Life insurance assets
  • $18,406All other assets
  • $602,588Total liabilities and capital
  • $597,095Total liabilities
  • $479,612Total deposits
  • $597,095Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,127Trading liabilities
  • $0Other borrowed funds
  • $2,366Subordinated debt
  • $59,522All other liabilities
  • $59,522Total equity capital
  • $59,522Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $53,650Surplus
  • $5,372Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $85Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,445Income earned, not collected on loans
  • $0Earning assets
  • $5,364Long-term assets (5+ years)
  • $606,535Average Assets, year-to-date
  • $145,213Average Assets, quarterly
  • $649,203Volatile liabilities
  • $659,345Insider loans
  • $402,748FHLB advances
  • $661,927Loans and leases held for sale
  • $9,822Unused loan commitments
  • $8,932Tier 1 (core) risk-based capital
  • $54,614Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $890Total unused commitments
  • $51,561Restructured Loans and leases
  • $31,162Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,629Total interest income
  • $5,146Total interest expense
  • $22,483Net interest income
  • $898Provision for loan and lease losses
  • $5,794Total noninterest income
  • $0Fiduciary activities
  • $4,070Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,724Additional noninterest income
  • $16,409Total noninterest expense
  • $8,817Salaries and employee benefits
  • $1,904Premises and equipment expense
  • $5,688Additional noninterest expense
  • $10,970Pre-tax net operating income
  • $85Securities gains (losses)
  • $3,083Applicable income taxes
  • $7,972Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,972Net income attributable to bank
  • $0Net charge-offs
  • $7,972Cash dividends
  • $715Sale, conversion, retirement of capital stock, net
  • $5,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 13.61%Return on equity (ROE)
  • 4.90%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 125.59%Credit loss provision to net charge-offs
  • 16.60%Efficiency ratio
  • 57,941Assets per employee
  • 4.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.97%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 107.18%Noncurrent assets plus other real estate owned to assets
  • 0.98%Noncurrent loans to loans
  • 1.54%Net loans and leases to deposits
  • 58.29%Net loans and leases to core deposits
  • 64.72%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 8.25%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $649,203Average earning assets
  • $58,573Average equity
  • $596,442Average loans

Total Fiduciary and Related Assets (December 31, 2009)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $46Managed Assets
  • 1Number of Accounts
  • $46Personal trust and agency accounts
  • $46Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 15 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05252Planters Bank & Trust Company212 Catchings Street, Indianola, MS 38751April 10, 1920Full Service Brick and Mortar
    1218155Ruleville Branch118 North Ruby Avenue, Ruleville, MS 38771July 01, 1940Full Service Brick and Mortar
    2218156Downtown Branch104 Front Avenue, Indianola, MS 38751July 12, 1963Full Service Brick and Mortar
    3218157Louise BranchHighway 49 And West Silver Creek Road, Louise, MS 39097August 01, 1955Full Service Brick and Mortar
    4218158Sunflower Branch100 Quiver Street, Sunflower, MS 38778December 31, 1941Full Service Brick and Mortar
    5218159Greenville BranchHinds Street And Washington Avenue, Greenville, MS 38701October 06, 1969Full Service Brick and Mortar
    6218160South Greenville Branch1645 Highway One South, Greenville, MS 38701December 13, 1979Full Service Brick and Mortar
    77303Inverness Branch800 East Grand Avenue, Inverness, MS 38753May 03, 1904Full Service Brick and Mortar
    9218161Highway 82 Express Branch521 East Early Street, Indianola, MS 38751May 08, 1995Full Service Brick and Mortar
    10218162South Main Street Branch1417 South Main Street, Greenville, MS 38701September 18, 1996Full Service Brick and Mortar
    11218163Cleveland Branch428 North Davis Avenue, Cleveland, MS 38732July 07, 1997Full Service Brick and Mortar
    12218164Greenwood Branch915 Medallion Drive, Greenwood, MS 38930May 05, 1999Full Service Brick and Mortar
    13218165Leland Branch1002 Highway 82 East, Leland, MS 38756August 20, 1999Full Service Brick and Mortar
    14360010Greenwood Market Street Branch116 West Market Street, Greenwood, MS 38930August 10, 2000Full Service Brick and Mortar
    1540829Cleveland Community Bank Branch210 North Street, Cleveland, MS 38732January 01, 1914Full Service Brick and Mortar

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