The Peoples State Bank in Many, Louisiana (LA), TX
Overview, Financial Summary, Detailed Financial Reports, Branches


The Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 8801
    Status: Active
    Federal Reserve ID: 939753
    Bank Holding Company (Regulatory Top Holder): Psb Financial Corporation (RSSDID: 1109263, Location: Many, LA)
    Date Established: July 01, 1913
    WWW: http://www.peoplesstate.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Domestic: 16, Interstate: Yes)
    OTS Docket #: 11588
    FDIC's unique #: 5605
    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: June 09, 2008
    Last Structure Change Process Date: June 09, 2008
    Last Data Update: June 09, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 8801 San Antonio Avenue, Many, LA 71449
    County: Sabine
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $496.6 mil
    Equity capital: $46.9 mil
    Deposits held in domestic offices: $420.2 mil
    Return on assets (ROA): 0.67% ($3.3 mil)
    Quarterly return on assets: 0.50% ($2.5 mil)
    Return on Equity (ROE): 7.17% ($3.4 mil)
    Quarterly return on equity: 5.22% ($2.5 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.91% ($4,519.4 mil)
    Quarterly Pretax return on assets: 0.66% ($3,277.8 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
  • 146Total employees (full-time equivalent)
  • $496,632Total assets
  • $16,293Cash and due from depository institutions
  • $5,421Interest-bearing balances
  • $173,434Securities
  • $10,800Federal funds sold & reverse repurchase agreements
  • $264,624Net loans & leases
  • $3,323Loan loss allowance
  • $0Trading account assets
  • $11,911Bank premises and fixed assets
  • $1,609Other real estate owned
  • $2,500Goodwill and other intangibles
  • $496,632Life insurance assets
  • $15,461All other assets
  • $449,689Total liabilities and capital
  • $420,165Total liabilities
  • $330,825Total deposits
  • $420,165Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 534.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,413Trading liabilities
  • $0Other borrowed funds
  • $3,577Subordinated debt
  • $46,943All other liabilities
  • $46,943Total equity capital
  • $46,943Total bank equity capital
  • $0Perpetual preferred stock
  • $228Common stock
  • $29,793Surplus
  • $16,922Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $41Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,941Income earned, not collected on loans
  • $344Earning assets
  • $1,883Long-term assets (5+ years)
  • $454,279Average Assets, year-to-date
  • $164,317Average Assets, quarterly
  • $488,135Volatile liabilities
  • $493,798Insider loans
  • $323,471FHLB advances
  • $489,677Loans and leases held for sale
  • $8,036Unused loan commitments
  • $8,036Tier 1 (core) risk-based capital
  • $43,589Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $70,044Restructured Loans and leases
  • $30,232Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,951Total interest income
  • $3,830Total interest expense
  • $15,121Net interest income
  • $729Provision for loan and lease losses
  • $3,379Total noninterest income
  • $0Fiduciary activities
  • $1,985Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,394Additional noninterest income
  • $15,130Total noninterest expense
  • $7,849Salaries and employee benefits
  • $2,070Premises and equipment expense
  • $5,211Additional noninterest expense
  • $2,641Pre-tax net operating income
  • $1,816Securities gains (losses)
  • $1,167Applicable income taxes
  • $3,290Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,290Net income attributable to bank
  • $0Net charge-offs
  • $3,290Cash dividends
  • $143Sale, conversion, retirement of capital stock, net
  • $3,290Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.40%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 7.17%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 509.79%Credit loss provision to net charge-offs
  • 23.57%Efficiency ratio
  • 81,784Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 171.20%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 62.98%Net loans and leases to core deposits
  • 67.80%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 8.90%Tier 1 risk-based capital ratio
  • 13.48%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $488,135Average earning assets
  • $45,883Average equity
  • $445,146Average loans

List of branches

  • 15 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05605The Peoples State Bank8801 San Antonio Avenue, Many, LA 71449July 01, 1913Full Service Brick and Mortar
    1218998Zwolle BranchObrie And Hammond Streets, Zwolle, LA 71486November 14, 1953Full Service Brick and Mortar
    3903Pleasant Hills BranchMain Street, Pleasant Hills, LA 71065January 01, 1904Full Service Brick and Mortar
    4219000Toledo Bend Branch12054 Texas Highway, Many, LA 71449August 01, 1985Full Service Brick and Mortar
    55975Mansfield BranchU.S. Highway 84 West, Mansfield, LA 71052January 01, 1911Full Service Brick and Mortar
    716206Liberty BranchWest 70th Street At Interstate 20, Greenwood, LA 71033June 02, 1980Full Service Brick and Mortar
    9219001Florien BranchHighway 171 South, Florien, LA 71429August 10, 1987Full Service Brick and Mortar
    11219002Main Street Branch880 West Main Street, Many, LA 71449November 16, 1992Limited Service Facility
    1416475315 Royal Street Branch315 Royal Street, Natchitoches, LA 71457September 01, 1981Full Service Brick and Mortar
    16219004West Branch180 San Antonio Avenue, Many, LA 71449March 09, 1998Full Service Brick and Mortar
    17334334Robeline Branch8994 Texas Street, Robeline, LA 71469March 08, 2000Full Service Brick and Mortar
    18363423Sibley Lake Branch4115 Highway 6, Natchitoches, LA 71457April 01, 2002Full Service Brick and Mortar
    19423247Wimbledon Branch1423 Wimbledon Drive, Alexandria, LA 71303November 03, 2003Full Service Brick and Mortar
    22493049Natchitoches North Branch100 Hwy 3175, Natchitoches, LA 71457June 30, 2009Full Service Brick and Mortar
    23510559The Peoples State Bank, Alexandria3412 Maclee Drive, Alexandria, LA 71301July 01, 2010Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    21466121Richmond Road Branch5602 Richmond Road, Texarkana, TX 75503June 05, 2007Full Service Brick and Mortar

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