The Peoples Bank in Magnolia, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 12531
    Status: Active
    Federal Reserve ID: 712648
    Bank Holding Company (Regulatory Top Holder): Golden Oaks Bancshares, Inc. (RSSDID: 1098684, Location: Magnolia, AR)
    Date Established: January 01, 1910
    WWW: http://www.peoplesbankmagnolia.com
    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 #: 7974
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: Febuary 08, 2011
    Last Data Update: Febuary 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 North Jackson, Magnolia, AR 71753
    County: Columbia
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Magnolia, AR (#31620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $149.9 mil
    Equity capital: $12.4 mil
    Deposits held in domestic offices: $102.7 mil
    Return on assets (ROA): 1.16% ($1.7 mil)
    Quarterly return on assets: 0.97% ($1.5 mil)
    Return on Equity (ROE): 14.88% ($1.8 mil)
    Quarterly return on equity: 12.06% ($1.4 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.16% ($1,739.4 mil)
    Quarterly Pretax return on assets: 0.97% ($1,454.5 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
  • 35Total employees (full-time equivalent)
  • $149,947Total assets
  • $44,903Cash and due from depository institutions
  • $42,799Interest-bearing balances
  • $49,115Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,657Net loans & leases
  • $482Loan loss allowance
  • $0Trading account assets
  • $1,862Bank premises and fixed assets
  • $120Other real estate owned
  • $0Goodwill and other intangibles
  • $149,947Life insurance assets
  • $3,290All other assets
  • $137,597Total liabilities and capital
  • $102,678Total liabilities
  • $95,072Total deposits
  • $102,678Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 100.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $34,334Trading liabilities
  • $0Other borrowed funds
  • $485Subordinated debt
  • $12,350All other liabilities
  • $12,350Total equity capital
  • $12,350Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $1,388Surplus
  • $10,962Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $577Income earned, not collected on loans
  • $0Earning assets
  • $824Long-term assets (5+ years)
  • $142,571Average Assets, year-to-date
  • $60,994Average Assets, quarterly
  • $150,625Volatile liabilities
  • $151,462Insider loans
  • $62,776FHLB advances
  • $154,462Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,092Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,195Restructured Loans and leases
  • $1,669Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,471Total interest income
  • $2,737Total interest expense
  • $3,734Net interest income
  • $0Provision for loan and lease losses
  • $640Total noninterest income
  • $0Fiduciary activities
  • $484Service charges on deposit accounts
  • $0Trading account gains & fees
  • $156Additional noninterest income
  • $2,625Total noninterest expense
  • $1,596Salaries and employee benefits
  • $251Premises and equipment expense
  • $778Additional noninterest expense
  • $1,749Pre-tax net operating income
  • $3Securities gains (losses)
  • $0Applicable income taxes
  • $1,752Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,752Net income attributable to bank
  • $0Net charge-offs
  • $1,752Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $515Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 1.91%Cost of funding earning assets
  • 2.60%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 1.83%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 14.88%Return on equity (ROE)
  • 10.51%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 51.44%Efficiency ratio
  • 60,014Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.39%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 83.54%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 1.13%Net loans and leases to deposits
  • 49.34%Net loans and leases to core deposits
  • 95.25%Equity capital to assets
  • 8.24%Core capital (leverage) ratio
  • 7.83%Tier 1 risk-based capital ratio
  • 19.26%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $150,625Average earning assets
  • $11,774Average equity
  • $143,508Average loans

List of branches

  • 3 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07974The Peoples Bank500 North Jackson, Magnolia, AR 71753January 01, 1910Full Service Brick and Mortar
    2227375Golden Oaks BranchEast Dixon And South Walnut Streets, Waldo, AR 71770September 08, 1975Full Service Brick and Mortar
    5461755Lakewood Banking Center103 Highway 79 Bypass North, Magnolia, AR 71753March 21, 2007Full Service Brick and Mortar

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