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


The Peoples Bank of Talbotton - Overview

  • General
  • FDIC Certificate #: 170
    Status: Active
    Federal Reserve ID: 272030
    Date Established: January 01, 1891
    WWW: http://www.thepbot.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 135
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 26 West Monroe Street, Talbotton, GA 31827
    County: Talbot
    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: $33.4 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $29.2 mil
    Return on assets (ROA): 0.55% ($0.2 mil)
    Quarterly return on assets: -0.64% (-$0.2 mil)
    Return on Equity (ROE): 4.68% ($0.2 mil)
    Quarterly return on equity: -4.86% (-$0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.57% ($190.2 mil)
    Quarterly Pretax return on assets: -1.02% (-$340.4 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
  • 8Total employees (full-time equivalent)
  • $33,372Total assets
  • $3,784Cash and due from depository institutions
  • $2,206Interest-bearing balances
  • $12,777Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $13,776Net loans & leases
  • $302Loan loss allowance
  • $0Trading account assets
  • $405Bank premises and fixed assets
  • $261Other real estate owned
  • $0Goodwill and other intangibles
  • $33,372Life insurance assets
  • $369All other assets
  • $29,204Total liabilities and capital
  • $29,165Total liabilities
  • $24,712Total deposits
  • $29,165Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $39Subordinated debt
  • $4,168All other liabilities
  • $4,168Total equity capital
  • $4,168Total bank equity capital
  • $890Perpetual preferred stock
  • $75Common stock
  • $2,635Surplus
  • $568Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $370Income earned, not collected on loans
  • $0Earning assets
  • $146Long-term assets (5+ years)
  • $30,759Average Assets, year-to-date
  • $10,275Average Assets, quarterly
  • $30,435Volatile liabilities
  • $32,018Insider loans
  • $19,030FHLB advances
  • $31,025Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,908Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $356Restructured Loans and leases
  • $5Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,380Total interest income
  • $256Total interest expense
  • $1,124Net interest income
  • $50Provision for loan and lease losses
  • $55Total noninterest income
  • $0Fiduciary activities
  • $70Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$15Additional noninterest income
  • $1,055Total noninterest expense
  • $458Salaries and employee benefits
  • $64Premises and equipment expense
  • $533Additional noninterest expense
  • $74Pre-tax net operating income
  • $101Securities gains (losses)
  • $9Applicable income taxes
  • $166Income before extraordinary items
  • $0Extraordinary gains - net
  • $166Net income attributable to bank
  • $0Net charge-offs
  • $166Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $3Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 4.68%Return on equity (ROE)
  • 4.60%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 172.41%Credit loss provision to net charge-offs
  • 4.28%Efficiency ratio
  • 89,483Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.81%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 81.62%Noncurrent assets plus other real estate owned to assets
  • 1.89%Noncurrent loans to loans
  • 2.63%Net loans and leases to deposits
  • 47.23%Net loans and leases to core deposits
  • 50.59%Equity capital to assets
  • 12.49%Core capital (leverage) ratio
  • 12.60%Tier 1 risk-based capital ratio
  • 20.54%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $30,435Average earning assets
  • $3,545Average equity
  • $27,347Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0135The Peoples Bank Of Talbotton26 West Monroe Street, Talbotton, GA 31827January 01, 1891Full Service Brick and Mortar

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