The Peoples Bank in Eatonton, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Peoples Bank in Eatonton, Georgia (GA)
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The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 16152
    Status: Active
    Federal Reserve ID: 611031
    Bank Holding Company (Regulatory Top Holder): Peoples Bankshares, Inc. (RSSDID: 1085901, Location: Eatonton, GA)
    Date Established: July 15, 1943
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13338
    FDIC's unique #: 10364
    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: May 01, 1944
    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: 209 South Jefferson Street, Eatonton, GA 31024
    County: Putnam
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $141.1 mil
    Equity capital: $11.7 mil
    Deposits held in domestic offices: $118.8 mil
    Return on assets (ROA): -1.06% (-$1.5 mil)
    Quarterly return on assets: -0.60% (-$0.8 mil)
    Return on Equity (ROE): -12.46% (-$1.5 mil)
    Quarterly return on equity: -7.12% (-$0.9 mil)
    Net income: -$1.5 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -1.06% (-$1,495.5 mil)
    Quarterly Pretax return on assets: -0.60% (-$846.5 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
  • 47Total employees (full-time equivalent)
  • $141,088Total assets
  • $34,668Cash and due from depository institutions
  • $32,485Interest-bearing balances
  • $10,824Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $80,746Net loans & leases
  • $1,314Loan loss allowance
  • $0Trading account assets
  • $6,343Bank premises and fixed assets
  • $3,518Other real estate owned
  • $0Goodwill and other intangibles
  • $141,088Life insurance assets
  • $4,989All other assets
  • $129,401Total liabilities and capital
  • $118,822Total liabilities
  • $95,695Total deposits
  • $118,822Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $579Subordinated debt
  • $11,687All other liabilities
  • $11,687Total equity capital
  • $11,687Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $9,730Surplus
  • $1,807Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,352Income earned, not collected on loans
  • $0Earning assets
  • $397Long-term assets (5+ years)
  • $124,055Average Assets, year-to-date
  • $13,691Average Assets, quarterly
  • $142,205Volatile liabilities
  • $140,451Insider loans
  • $85,087FHLB advances
  • $138,594Loans and leases held for sale
  • $3,133Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,414Tier 2 risk-based capital
  • $3,133Total risk weighted assets
  • $0Total unused commitments
  • $4,209Restructured Loans and leases
  • $1,115Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,597Total interest income
  • $1,373Total interest expense
  • $4,224Net interest income
  • $956Provision for loan and lease losses
  • $772Total noninterest income
  • $0Fiduciary activities
  • $847Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$75Additional noninterest income
  • $5,543Total noninterest expense
  • $2,563Salaries and employee benefits
  • $748Premises and equipment expense
  • $2,232Additional noninterest expense
  • -$1,503Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1,503Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,503Net income attributable to bank
  • $0Net charge-offs
  • -$1,503Cash dividends
  • $1,027Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 4.45%Noninterest expense to earning assets
  • -1.06%Net operating income to assets
  • -1.06%Return on assets (ROA)
  • -1.06%Pretax return on assets
  • -12.46%Return on equity (ROE)
  • -12.46%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 93.09%Credit loss provision to net charge-offs
  • -0.53%Efficiency ratio
  • 110,949Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 12.69%Noncurrent assets plus other real estate owned to assets
  • 9.83%Noncurrent loans to loans
  • 12.62%Net loans and leases to deposits
  • 67.96%Net loans and leases to core deposits
  • 69.71%Equity capital to assets
  • 8.28%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 13.41%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $142,205Average earning assets
  • $12,067Average equity
  • $124,513Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010364The Peoples Bank209 South Jefferson Street, Eatonton, GA 31024July 15, 1943Full Service Brick and Mortar
    1237524Oconee Crossings Branch991 Greensboro Road, Eatonton, GA 31024May 23, 1991Full Service Brick and Mortar
    2237525Sinclair BranchU.S. Highway 441 And Jackson Road, Eatonton, GA 31024November 27, 1995Full Service Brick and Mortar

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