The Peoples National Bank in Easley, South Carolina (SC)

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The Peoples National Bank
GeneralFDIC Certificate #: 26753
Status: Active
Federal Reserve ID: 698322
Bank Holding Company (Regulatory Top Holder): Peoples Bancorporation, Inc. (RSSDID: 1974443, Location: Easley, SC)
Date Established: August 07, 1986
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10018
FDIC's unique #: 35869
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 07, 1986
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: 1800 East Main Street, Easley, SC 29640
County: Pickens
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Columbia Sc
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Greenville-Spartanburg-Anderson, SC (#3160)
Combined Statistical Area (CSA): Greenville-Spartanburg-Anderson, SC (#273)
Core Based Statistical Area (CBSA): Greenville-Mauldin-Easley, SC (#24860)
CBSA Metro Statistical Area: Greenville-Mauldin-Easley, SC (#24860)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $323.9 mil
Equity capital: $35.3 mil
Deposits held in domestic offices: $278.8 mil
Return on assets (ROA): 0.54% ($1.7 mil)
Quarterly return on assets: 1.06% ($3.4 mil)
Return on Equity (ROE): 5.24% ($1.8 mil)
Quarterly return on equity: 9.80% ($3.4 mil)
Net income: $1.7 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 0.62% ($2,007.9 mil)
Quarterly Pretax return on assets: 1.31% ($4,242.5 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)71
Total assets$323,856
Cash and due from depository institutions$4,699
Interest-bearing balances$1
Federal funds sold & reverse repurchase agreements$8,371
Net loans & leases$175,341
Loan loss allowance $4,678
Trading account assets$80
Bank premises and fixed assets$6,431
Other real estate owned$10,592
Goodwill and other intangibles$0
All other assets$15,752
Life insurance assets$323,856
Total liabilities and capital$288,593
Total liabilities$278,813
Total deposits$263,205
Interest-bearing deposits$278,813
Deposits held in domestic offices$98
% insured (estimated)7214.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,566
All other liabilities $35,263
Total equity capital$35,263
Total bank equity capital$35,263
Perpetual preferred stock$0
Common stock$6,774
Undivided profits $21,654
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 $6,044
Earning assets $0
Long-term assets (5+ years) $1,500
Average Assets, year-to-date $286,383
Average Assets, quarterly $118,360
Volatile liabilities $322,657
Insider loans $321,977
FHLB advances $203,812
Loans and leases held for sale $315,585
Unused loan commitments $8,231
Tier 1 (core) risk-based capital $5,248
Tier 2 risk-based capital $29,926
Total risk weighted assets $0
Total unused commitments $2,983
Restructured Loans and leases $34,749
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,928
Total interest expense $3,085
Net interest income $11,843
Provision for loan and lease losses $2,268
Total noninterest income $3,002
Fiduciary activities $0
Service charges on deposit accounts $1,063
Trading account gains & fees $42
Additional noninterest income $1,897
Total noninterest expense $10,889
Salaries and employee benefits $4,972
Premises and equipment expense $957
Additional noninterest expense $4,960
Pre-tax net operating income $1,688
Securities gains (losses) $305
Applicable income taxes $259
Income before extraordinary items $1,734
Extraordinary gains - net $0
Net income attributable to bank $1,734
Net charge-offs $0
Cash dividends $1,734
Sale, conversion, retirement of capital stock, net $3,284
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 assets5.24%
Cost of funding earning assets 1.08%
Net interest margin 4.16%
Noninterest income to earning assets 1.05%
Noninterest expense to earning assets 3.82%
Net operating income to assets 0.46%
Return on assets (ROA) 0.54%
Pretax return on assets 0.62%
Return on equity (ROE) 5.24%
Retained earnings to average equity (YTD only) 5.24%
Net charge-offs to loans 1.60%
Credit loss provision to net charge-offs 69.06%
Efficiency ratio1.20%
Assets per employee$73,351
Cash dividends to net income (YTD only)4.56%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.60%
Noncurrent assets plus other real estate owned to assets 77.40%
Noncurrent loans to loans 5.14%
Net loans and leases to deposits3.36%
Net loans and leases to core deposits 62.89%
Equity capital to assets 70.95%
Core capital (leverage) ratio 10.89%
Tier 1 risk-based capital ratio 9.48%
Total risk-based capital ratio 14.68%
Average assets$16
Average earning assets$322,657
Average equity $33,078
Average loans $284,961
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6 South Carolina Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
035869The Peoples National Bank1800 East Main Street, Easley, SC 29640August 07, 1986Full Service Brick and Mortar
2260107Powdersville BranchHighway 153 And Hood Road, Powdersville, SC 29673December 16, 1987Full Service Brick and Mortar
3260108Pickens Branch424 Hampton Avenue, Pickens, SC 29671Febuary 01, 1993Full Service Brick and Mortar
4260109Rockville Branch1053 South Pendelton Street, Easley, SC 29642November 08, 1999Full Service Brick and Mortar
6470056Antrim Drive Office Branch45 East Antrim Drive, Greenville, SC 29607October 31, 2007Full Service Brick and Mortar
7505878Pnb Courier Branch1800 East Main Street, Easley, SC 29640Febuary 03, 2010Limited Service Messenger
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