Pelham Banking Company in Pelham, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pelham Banking Company in Pelham, Georgia (GA)
  • Show street view No street view available for this location
Pelham Banking Company routing number info

Pelham Banking Company - Overview

  • General
  • FDIC Certificate #: 15441
    Status: Active
    Federal Reserve ID: 634731
    Bank Holding Company (Regulatory Top Holder): Pbc Bancshares, Inc. (RSSDID: 1839421, Location: Pelham, GA)
    Date Established: January 01, 1910
    WWW: http://www.pelhambank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11578
    FDIC's unique #: 9753
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: December 09, 1936
    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: 180 Mathewson Ave, Pelham, GA 31779
    County: Mitchell
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $61.9 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $51.2 mil
    Return on assets (ROA): 1.20% ($0.7 mil)
    Quarterly return on assets: 0.65% ($0.4 mil)
    Return on Equity (ROE): 7.52% ($0.8 mil)
    Quarterly return on equity: 3.93% ($0.4 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.20% ($742.4 mil)
    Quarterly Pretax return on assets: 0.65% ($402.1 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
  • 18Total employees (full-time equivalent)
  • $61,865Total assets
  • $7,979Cash and due from depository institutions
  • $1,515Interest-bearing balances
  • $24,031Securities
  • $750Federal funds sold & reverse repurchase agreements
  • $26,282Net loans & leases
  • $355Loan loss allowance
  • $0Trading account assets
  • $645Bank premises and fixed assets
  • $338Other real estate owned
  • $0Goodwill and other intangibles
  • $61,865Life insurance assets
  • $1,840All other assets
  • $51,788Total liabilities and capital
  • $51,211Total liabilities
  • $41,713Total deposits
  • $51,211Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 45.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11Trading liabilities
  • $0Other borrowed funds
  • $521Subordinated debt
  • $10,077All other liabilities
  • $10,077Total equity capital
  • $10,077Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $5,350Surplus
  • $4,577Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $237Income earned, not collected on loans
  • $0Earning assets
  • $507Long-term assets (5+ years)
  • $52,578Average Assets, year-to-date
  • $23,490Average Assets, quarterly
  • $61,262Volatile liabilities
  • $61,678Insider loans
  • $35,445FHLB advances
  • $61,693Loans and leases held for sale
  • $1,093Unused loan commitments
  • $1,093Tier 1 (core) risk-based capital
  • $9,418Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,204Restructured Loans and leases
  • $193Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,730Total interest income
  • $535Total interest expense
  • $2,195Net interest income
  • $225Provision for loan and lease losses
  • $522Total noninterest income
  • $0Fiduciary activities
  • $342Service charges on deposit accounts
  • $0Trading account gains & fees
  • $180Additional noninterest income
  • $1,833Total noninterest expense
  • $1,019Salaries and employee benefits
  • $147Premises and equipment expense
  • $667Additional noninterest expense
  • $659Pre-tax net operating income
  • $74Securities gains (losses)
  • $0Applicable income taxes
  • $733Income before extraordinary items
  • $0Extraordinary gains - net
  • $733Net income attributable to bank
  • $0Net charge-offs
  • $733Cash dividends
  • $228Sale, conversion, retirement of capital stock, net
  • $420Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 7.52%Return on equity (ROE)
  • 3.21%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 98.68%Credit loss provision to net charge-offs
  • 3.88%Efficiency ratio
  • 67,464Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.30%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 149.79%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 51.32%Net loans and leases to core deposits
  • 51.65%Equity capital to assets
  • 16.29%Core capital (leverage) ratio
  • 15.27%Tier 1 risk-based capital ratio
  • 26.57%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $61,262Average earning assets
  • $9,748Average equity
  • $53,201Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09753Pelham Banking Company180 Mathewson Ave, Pelham, GA 31779January 01, 1910Full Service Brick and Mortar
    1233983Drive-In Facility518 Church Street, Pelham, GA 31779May 02, 1979Limited Service Facility

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Pelham Banking Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents