The Bank of Perry in Perry, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Perry - Overview

  • General
  • FDIC Certificate #: 8480
    Status: Active
    Federal Reserve ID: 771636
    Bank Holding Company (Regulatory Top Holder): Persons Banking Co., Inc. (RSSDID: 1081314, Location: Macon, GA)
    Date Established: January 01, 1889
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9942
    FDIC's unique #: 5394
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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
  • Location
  • Address: 1006 Main Street, Perry, GA 31069
    County: Houston
    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
    Metropolitan Statistical Area (MSA): Macon, GA (#4680)
    Combined Statistical Area (CSA): Macon-Warner Robins-Fort Valley, GA (#356)
    Core Based Statistical Area (CBSA): Warner Robins, GA (#47580)
    CBSA Metro Statistical Area: Warner Robins, GA (#47580)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $115.4 mil
    Equity capital: $7.2 mil
    Deposits held in domestic offices: $103.1 mil
    Return on assets (ROA): 0.09% ($0.1 mil)
    Quarterly return on assets: -1.19% (-$1.4 mil)
    Return on Equity (ROE): 1.44% ($0.1 mil)
    Quarterly return on equity: -18.72% (-$1.3 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: 0.09% ($103.9 mil)
    Quarterly Pretax return on assets: -1.19% (-$1,373.4 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
  • 30Total employees (full-time equivalent)
  • $115,411Total assets
  • $11,216Cash and due from depository institutions
  • $9,947Interest-bearing balances
  • $13,829Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,160Net loans & leases
  • $2,187Loan loss allowance
  • $0Trading account assets
  • $3,249Bank premises and fixed assets
  • $2,850Other real estate owned
  • $0Goodwill and other intangibles
  • $115,411Life insurance assets
  • $1,107All other assets
  • $108,261Total liabilities and capital
  • $103,053Total liabilities
  • $88,397Total deposits
  • $103,053Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $208Subordinated debt
  • $7,150All other liabilities
  • $7,150Total equity capital
  • $7,150Total bank equity capital
  • $0Perpetual preferred stock
  • $345Common stock
  • $3,730Surplus
  • $3,075Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,433Income earned, not collected on loans
  • $0Earning assets
  • $564Long-term assets (5+ years)
  • $106,936Average Assets, year-to-date
  • $10,639Average Assets, quarterly
  • $117,919Volatile liabilities
  • $115,287Insider loans
  • $86,559FHLB advances
  • $115,017Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,123Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,153Restructured Loans and leases
  • $1,829Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,274Total interest income
  • $1,016Total interest expense
  • $4,258Net interest income
  • $705Provision for loan and lease losses
  • $502Total noninterest income
  • $0Fiduciary activities
  • $466Service charges on deposit accounts
  • $0Trading account gains & fees
  • $36Additional noninterest income
  • $4,227Total noninterest expense
  • $1,609Salaries and employee benefits
  • $387Premises and equipment expense
  • $2,231Additional noninterest expense
  • -$172Pre-tax net operating income
  • $276Securities gains (losses)
  • $0Applicable income taxes
  • $104Income before extraordinary items
  • $0Extraordinary gains - net
  • $104Net income attributable to bank
  • $0Net charge-offs
  • $104Cash dividends
  • $849Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.89%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 1.44%Return on equity (ROE)
  • 1.44%Retained earnings to average equity (YTD only)
  • 0.98%Net charge-offs to loans
  • 83.04%Credit loss provision to net charge-offs
  • 0.63%Efficiency ratio
  • 88,803Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.56%Loss allowance to noncurrent loans
  • 29.42%Noncurrent assets plus other real estate owned to assets
  • 8.91%Noncurrent loans to loans
  • 8.71%Net loans and leases to deposits
  • 80.70%Net loans and leases to core deposits
  • 82.28%Equity capital to assets
  • 6.20%Core capital (leverage) ratio
  • 6.19%Tier 1 risk-based capital ratio
  • 8.23%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $117,919Average earning assets
  • $7,213Average equity
  • $108,566Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05394The Bank Of Perry1006 Main Street, Perry, GA 31069January 01, 1889Full Service Brick and Mortar
    4464810Lake Joy Branch1110 Highway 96, Kathleen, GA 31047June 25, 2007Full Service Brick and Mortar

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