The Peoples Bank, Biloxi, Mississippi in Biloxi, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Peoples Bank, Biloxi, Mississippi in Biloxi, Mississippi (MS)
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The Peoples Bank, Biloxi, Mississippi - Overview

  • General
  • FDIC Certificate #: 340
    Status: Active
    Federal Reserve ID: 870539
    Bank Holding Company (Regulatory Top Holder): Peoples Financial Corporation (RSSDID: 1133174, Location: Biloxi, MS)
    Date Established: April 13, 1896
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 17 (Domestic: 17, Interstate: No)
    FDIC's unique #: 270
    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: No
    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: Lameuse And Howard Avenues, Biloxi, MS 39533
    County: Harrison
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Biloxi-Gulfport-Pascagoula, MS (#920)
    Combined Statistical Area (CSA): Gulfport-Biloxi-Pascagoula, MS (#274)
    Core Based Statistical Area (CBSA): Gulfport-Biloxi, MS (#25060)
    CBSA Metro Statistical Area: Gulfport-Biloxi, MS (#25060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $800.3 mil
    Equity capital: $105.1 mil
    Deposits held in domestic offices: $468.1 mil
    Return on assets (ROA): 0.21% ($1.7 mil)
    Quarterly return on assets: -0.09% (-$0.7 mil)
    Return on Equity (ROE): 1.68% ($1.8 mil)
    Quarterly return on equity: -0.69% (-$0.7 mil)
    Net income: $1.7 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.09% ($720.2 mil)
    Quarterly Pretax return on assets: -0.33% (-$2,640.9 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
  • 183Total employees (full-time equivalent)
  • $800,270Total assets
  • $36,929Cash and due from depository institutions
  • $14,390Interest-bearing balances
  • $279,697Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $424,931Net loans & leases
  • $7,476Loan loss allowance
  • $0Trading account assets
  • $28,036Bank premises and fixed assets
  • $6,198Other real estate owned
  • $0Goodwill and other intangibles
  • $800,270Life insurance assets
  • $24,479All other assets
  • $695,191Total liabilities and capital
  • $468,071Total liabilities
  • $442,986Total deposits
  • $468,071Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 157601.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $54,500Trading liabilities
  • $0Other borrowed funds
  • $15,019Subordinated debt
  • $105,079All other liabilities
  • $105,079Total equity capital
  • $105,079Total bank equity capital
  • $0Perpetual preferred stock
  • $366Common stock
  • $74,952Surplus
  • $29,761Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $59,424Income earned, not collected on loans
  • $0Earning assets
  • $2,698Long-term assets (5+ years)
  • $719,018Average Assets, year-to-date
  • $205,504Average Assets, quarterly
  • $807,879Volatile liabilities
  • $806,476Insider loans
  • $530,873FHLB advances
  • $808,309Loans and leases held for sale
  • $16,196Unused loan commitments
  • $14,679Tier 1 (core) risk-based capital
  • $102,003Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,517Total unused commitments
  • $76,421Restructured Loans and leases
  • $4,874Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,020Total interest income
  • $3,178Total interest expense
  • $21,842Net interest income
  • $2,275Provision for loan and lease losses
  • $7,461Total noninterest income
  • $1,368Fiduciary activities
  • $2,539Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,554Additional noninterest income
  • $27,411Total noninterest expense
  • $14,076Salaries and employee benefits
  • $4,352Premises and equipment expense
  • $8,983Additional noninterest expense
  • -$383Pre-tax net operating income
  • $1,126Securities gains (losses)
  • -$940Applicable income taxes
  • $1,683Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,683Net income attributable to bank
  • $0Net charge-offs
  • $1,683Cash dividends
  • $1,449Sale, conversion, retirement of capital stock, net
  • $898Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.48%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 3.04%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.81%Noninterest expense to earning assets
  • 0.07%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 1.68%Return on equity (ROE)
  • 0.78%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 157.00%Credit loss provision to net charge-offs
  • 1.31%Efficiency ratio
  • 93,543Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.36%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 12.58%Noncurrent assets plus other real estate owned to assets
  • 8.20%Noncurrent loans to loans
  • 13.74%Net loans and leases to deposits
  • 90.78%Net loans and leases to core deposits
  • 115.22%Equity capital to assets
  • 13.13%Core capital (leverage) ratio
  • 12.62%Tier 1 risk-based capital ratio
  • 19.21%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $807,879Average earning assets
  • $100,430Average equity
  • $719,314Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $149,234Managed Assets
  • 1Number of Accounts
  • $107,610Personal trust and agency accounts
  • $32,910Employee benefit-defined contribution accounts
  • $9,333Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $11,453Corporate trust and agency accounts
  • $2Investment management agency accounts
  • $47,343Other fiduciary accounts
  • $1,065Fiduciary accounts held in foreign offices
  • $5,504Non-managed Assets
  • 554Number of Accounts
  • $0Personal trust and agency accounts
  • $11,453Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $41,624Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,780Fiduciary accounts held in foreign offices

List of branches

  • 17 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0270The Peoples Bank, Biloxi, MississippiLameuse And Howard Avenues, Biloxi, MS 39533April 13, 1896Full Service Brick and Mortar
    1181556D'ibervlle-St. Martin BranchLemoyne Boulevard, Harrison County, MS 39532December 31, 1973Full Service Brick and Mortar
    2181557West Biloxi Branch2560 Pass Road, Biloxi, MS 39531July 23, 1979Full Service Brick and Mortar
    3181558Ocean Springs BranchU.S. Highway 90, Ocean Springs, MS 39564December 31, 1984Full Service Brick and Mortar
    410374Money Center727 Howard Ave, Biloxi, MS 39530June 27, 1944Limited Service Facility
    7237551Handsboro-Mississippi City Branch412 Pass Road, Handsboro, MS 39531September 28, 1959Full Service Brick and Mortar
    9237553Bay St. Louis Branch408 U.S. Highway 90, Bay Saint Louis, MS 39520August 15, 1966Full Service Brick and Mortar
    10237554Orange Grove BranchU.S. Highway 49 And Royal Street, Gulfport, MS 39501October 12, 1973Full Service Brick and Mortar
    1246320Downtown Gulfport Branch1105 30th Avenue, Gulfport, MS 39501June 22, 1990Full Service Brick and Mortar
    14181560Diamonhead Branch4408 West Aloha Drive, Bay St. Louis, MS 39520May 01, 1992Full Service Brick and Mortar
    15181561Saucier Branch17689 Second Street, Saucier, MS 39574June 24, 1999Full Service Brick and Mortar
    16181562Wiggins Branch1312 South Magnolia Drive, Wiggins, MS 39577July 27, 1999Full Service Brick and Mortar
    19423041Long Beach - Jeff Davis Avenue Branc298 Jeff Davis Avenue, Long Beach, MS 39560August 25, 2003Full Service Brick and Mortar
    20432402Waveland Branch470 Highway 90, Waveland, MS 39576October 12, 2004Full Service Brick and Mortar
    21433900Cedar Lake Branch1740 Popps Ferry Road, Biloxi, MS 39532January 18, 2005Full Service Brick and Mortar
    22458829Gautier Branch2609 Highway 90, Gautier, MS 39553Febuary 12, 2007Full Service Brick and Mortar
    23469631Pass Christian Branch301 East Second Street, Pass Christian, MS 39571December 10, 2007Full Service Brick and Mortar

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