Pee Dee Federal Savings Bank in Marion, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pee Dee Federal Savings Bank in Marion, South Carolina (SC)
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Pee Dee Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29582
    Status: Active
    Federal Reserve ID: 515979
    Date Established: December 11, 1935
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3697
    FDIC's unique #: 42416
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: December 11, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 106 East Court Street, Marion, SC 29571
    County: Marion
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $41.4 mil
    Equity capital: $8.7 mil
    Deposits held in domestic offices: $32.1 mil
    Return on assets (ROA): -1.71% (-$0.7 mil)
    Quarterly return on assets: -0.26% (-$0.1 mil)
    Return on Equity (ROE): -7.77% (-$0.7 mil)
    Quarterly return on equity: -1.24% (-$0.1 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -1.42% (-$588.0 mil)
    Quarterly Pretax return on assets: -0.45% (-$186.3 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
  • 11Total employees (full-time equivalent)
  • $41,409Total assets
  • $14,522Cash and due from depository institutions
  • $13,946Interest-bearing balances
  • $0Securities
  • $200Federal funds sold & reverse repurchase agreements
  • $24,523Net loans & leases
  • $625Loan loss allowance
  • $0Trading account assets
  • $515Bank premises and fixed assets
  • $926Other real estate owned
  • $0Goodwill and other intangibles
  • $41,409Life insurance assets
  • $723All other assets
  • $32,705Total liabilities and capital
  • $32,054Total liabilities
  • $31,422Total deposits
  • $32,054Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $113Trading liabilities
  • $0Other borrowed funds
  • $538Subordinated debt
  • $8,704All other liabilities
  • $8,704Total equity capital
  • $8,704Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $8,704Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,329Income earned, not collected on loans
  • $0Earning assets
  • $187Long-term assets (5+ years)
  • $38,669Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $40,233Volatile liabilities
  • $41,228Insider loans
  • $35,197FHLB advances
  • $41,409Loans and leases held for sale
  • $329Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,704Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,556Restructured Loans and leases
  • $1,384Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,870Total interest income
  • $286Total interest expense
  • $1,584Net interest income
  • $517Provision for loan and lease losses
  • $99Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $99Additional noninterest income
  • $1,739Total noninterest expense
  • $1,044Salaries and employee benefits
  • $349Premises and equipment expense
  • $346Additional noninterest expense
  • -$573Pre-tax net operating income
  • $0Securities gains (losses)
  • $115Applicable income taxes
  • -$688Income before extraordinary items
  • $0Extraordinary gains - net
  • -$688Net income attributable to bank
  • $0Net charge-offs
  • -$688Cash dividends
  • $125Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 4.66%Noninterest expense to earning assets
  • -1.71%Net operating income to assets
  • -1.71%Return on assets (ROA)
  • -1.42%Pretax return on assets
  • -7.77%Return on equity (ROE)
  • -7.77%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 413.60%Credit loss provision to net charge-offs
  • -0.45%Efficiency ratio
  • 103,327Assets per employee
  • 3.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.49%Loss allowance to noncurrent loans
  • 47.03%Noncurrent assets plus other real estate owned to assets
  • 5.09%Noncurrent loans to loans
  • 5.28%Net loans and leases to deposits
  • 76.51%Net loans and leases to core deposits
  • 83.05%Equity capital to assets
  • 21.02%Core capital (leverage) ratio
  • 21.02%Tier 1 risk-based capital ratio
  • 24.73%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $40,233Average earning assets
  • $8,854Average equity
  • $37,329Average loans

List of branches

  • 2 South Carolina Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042416Pee Dee Federal Savings Bank106 East Court Street, Marion, SC 29571December 11, 1935Full Service Brick and Mortar
    1275679209 West Mcintyre Street Branch209 West Mcintyre Street, Mullins, SC 29574December 11, 1935Full Service Brick and Mortar

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