The Peoples Bank in Eatonton, Georgia (GA)

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The Peoples Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)47
Total assets$141,088
Cash and due from depository institutions$34,668
Interest-bearing balances$32,485
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$80,746
Loan loss allowance $1,314
Trading account assets$0
Bank premises and fixed assets$6,343
Other real estate owned$3,518
Goodwill and other intangibles$0
All other assets$4,989
Life insurance assets$141,088
Total liabilities and capital$129,401
Total liabilities$118,822
Total deposits$95,695
Interest-bearing deposits$118,822
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $579
All other liabilities $11,687
Total equity capital$11,687
Total bank equity capital$11,687
Perpetual preferred stock$0
Common stock$150
Undivided profits $1,807
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $10,352
Earning assets $0
Long-term assets (5+ years) $397
Average Assets, year-to-date $124,055
Average Assets, quarterly $13,691
Volatile liabilities $142,205
Insider loans $140,451
FHLB advances $85,087
Loans and leases held for sale $138,594
Unused loan commitments $3,133
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,414
Total risk weighted assets $3,133
Total unused commitments $0
Restructured Loans and leases $4,209
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,597
Total interest expense $1,373
Net interest income $4,224
Provision for loan and lease losses $956
Total noninterest income $772
Fiduciary activities $0
Service charges on deposit accounts $847
Trading account gains & fees $0
Additional noninterest income -$75
Total noninterest expense $5,543
Salaries and employee benefits $2,563
Premises and equipment expense $748
Additional noninterest expense $2,232
Pre-tax net operating income -$1,503
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$1,503
Extraordinary gains - net $0
Net income attributable to bank -$1,503
Net charge-offs $0
Cash dividends -$1,503
Sale, conversion, retirement of capital stock, net $1,027
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.50%
Cost of funding earning assets 1.10%
Net interest margin 3.39%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 4.45%
Net operating income to assets -1.06%
Return on assets (ROA) -1.06%
Pretax return on assets -1.06%
Return on equity (ROE) -12.46%
Retained earnings to average equity (YTD only) -12.46%
Net charge-offs to loans 1.17%
Credit loss provision to net charge-offs 93.09%
Efficiency ratio-0.53%
Assets per employee$110,949
Cash dividends to net income (YTD only)3.00%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.60%
Noncurrent assets plus other real estate owned to assets 12.69%
Noncurrent loans to loans 9.83%
Net loans and leases to deposits12.62%
Net loans and leases to core deposits 67.96%
Equity capital to assets 69.71%
Core capital (leverage) ratio 8.28%
Tier 1 risk-based capital ratio 8.24%
Total risk-based capital ratio 13.41%
Average assets$15
Average earning assets$142,205
Average equity $12,067
Average loans $124,513
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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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