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

This bank is inactive as of September 17, 2010

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

  • General
  • FDIC Certificate #: 182
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Community & Southern Bank (#59010)
    Federal Reserve ID: 454434
    Date Established: October 30, 1926
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 15 (Interstate: No)
    OTS Docket #: 12927
    FDIC's unique #: 144
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 17, 2010
    Last Structure Change Process Date: September 20, 2010
    Last Data Update: September 20, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 71 North Broad Street, Winder, GA 30680
    County: Barrow
    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
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • Financial Summary
  • Total assets: $447.2 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, 2009)

  • Dollar figures in thousands
  • 140Total employees (full-time equivalent)
  • $490,695Total assets
  • $38,618Cash and due from depository institutions
  • $27,445Interest-bearing balances
  • $124,660Securities
  • $2,864Federal funds sold & reverse repurchase agreements
  • $276,008Net loans & leases
  • $8,355Loan loss allowance
  • $0Trading account assets
  • $17,590Bank premises and fixed assets
  • $16,389Other real estate owned
  • $1,177Goodwill and other intangibles
  • $7,686Life insurance assets
  • $13,389All other assets
  • $490,695Total liabilities and capital
  • $474,757Total liabilities
  • $433,291Total deposits
  • $409,634Interest-bearing deposits
  • $433,291Deposits held in domestic offices
  • 66.55%% insured (estimated)
  • $10,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $30,000Other borrowed funds
  • $0Subordinated debt
  • $1,466All other liabilities
  • $15,938Total equity capital
  • $15,938Total bank equity capital
  • $15,938Perpetual preferred stock
  • $0Common stock
  • $132Surplus
  • $22,990Undivided profits
  • Memoranda
  • $-7,184Noncurrent loans and leases
  • $20,637Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $30,012Earning assets
  • $0Long-term assets (5+ years)
  • $2,033Average Assets, year-to-date
  • $430,977Average Assets, quarterly
  • $149,115Volatile liabilities
  • $497,031Insider loans
  • $480,790FHLB advances
  • $143,530Loans and leases held for sale
  • $2,301Unused loan commitments
  • $30,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $20,637Total unused commitments
  • $58Restructured Loans and leases
  • $3,821Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $22,125Total interest income
  • $12,531Total interest expense
  • $9,594Net interest income
  • $16,780Provision for loan and lease losses
  • $3,618Total noninterest income
  • $0Fiduciary activities
  • $1,925Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,693Additional noninterest income
  • $18,233Total noninterest expense
  • $7,344Salaries and employee benefits
  • $3,193Premises and equipment expense
  • $7,696Additional noninterest expense
  • -$21,801Pre-tax net operating income
  • -$2,357Securities gains (losses)
  • $0Applicable income taxes
  • -$24,158Income before extraordinary items
  • $0Extraordinary gains - net
  • -$24,158Net income attributable to bank
  • $0Net charge-offs
  • -$24,158Cash dividends
  • $13,737Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 2.86%Cost of funding earning assets
  • 2.19%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 4.16%Noninterest expense to earning assets
  • -4.39%Net operating income to assets
  • -4.86%Return on assets (ROA)
  • -4.86%Pretax return on assets
  • -80.45%Return on equity (ROE)
  • -80.45%Retained earnings to average equity (YTD only)
  • 4.62%Net charge-offs to loans
  • 122.15%Credit loss provision to net charge-offs
  • -0.37%Efficiency ratio
  • 136,883Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.94%Loss allowance to noncurrent loans
  • 27.84%Noncurrent assets plus other real estate owned to assets
  • 9.46%Noncurrent loans to loans
  • 10.55%Net loans and leases to deposits
  • 63.70%Net loans and leases to core deposits
  • 92.08%Equity capital to assets
  • 3.25%Core capital (leverage) ratio
  • 3.40%Tier 1 risk-based capital ratio
  • 5.37%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $497,031Average earning assets
  • $30,029Average equity
  • $437,967Average loans

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