People's Community Bank in Johnson City, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2004

  • People's Community Bank in Johnson City, Tennessee (TN)
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People's Community Bank - Overview

  • General
  • FDIC Certificate #: 34104
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Community Bank (#13012)
    Federal Reserve ID: 2374170
    Date Established: December 15, 1995
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 14578
    FDIC's unique #: 56245
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 15, 1995
    Last Structure Change Effective Date: April 01, 2004
    Last Structure Change Process Date: April 19, 2004
    Last Data Update: April 19, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 Sunset Drive, Johnson City, TN 37604
    County: Washington
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Johnson City-Kingsport-Bristol, TN-VA (#3660)
    Combined Statistical Area (CSA): Johnson City-Kingsport-Bristol (Tri-Cities), TN-VA (#304)
    Core Based Statistical Area (CBSA): Johnson City, TN (#27740)
    CBSA Metro Statistical Area: Johnson City, TN (#27740)
  • Financial Summary
  • Total assets: $172.1 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, 2003)

  • Dollar figures in thousands
  • 56Total employees (full-time equivalent)
  • $171,828Total assets
  • $5,901Cash and due from depository institutions
  • $998Interest-bearing balances
  • $28,416Securities
  • $2,162Federal funds sold & reverse repurchase agreements
  • $128,797Net loans & leases
  • $1,824Loan loss allowance
  • $0Trading account assets
  • $3,500Bank premises and fixed assets
  • $82Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,970All other assets
  • $171,828Total liabilities and capital
  • $158,211Total liabilities
  • $148,894Total deposits
  • $133,050Interest-bearing deposits
  • $148,894Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,173Other borrowed funds
  • $0Subordinated debt
  • $644All other liabilities
  • $13,617Total equity capital
  • $13,617Total bank equity capital
  • $13,617Perpetual preferred stock
  • $0Common stock
  • $800Surplus
  • $7,200Undivided profits
  • Memoranda
  • $5,617Noncurrent loans and leases
  • $8,889Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,066Earning assets
  • $0Long-term assets (5+ years)
  • $738Average Assets, year-to-date
  • $160,373Average Assets, quarterly
  • $22,308Volatile liabilities
  • $165,066Insider loans
  • $171,710FHLB advances
  • $11,415Loans and leases held for sale
  • $28Unused loan commitments
  • $7,173Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,889Total unused commitments
  • $0Restructured Loans and leases
  • $1,637Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $9,775Total interest income
  • $2,756Total interest expense
  • $7,019Net interest income
  • $740Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $365Service charges on deposit accounts
  • $0Trading account gains & fees
  • $75Additional noninterest income
  • $4,258Total noninterest expense
  • $2,525Salaries and employee benefits
  • $583Premises and equipment expense
  • $1,150Additional noninterest expense
  • $2,461Pre-tax net operating income
  • $247Securities gains (losses)
  • $825Applicable income taxes
  • $1,883Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,883Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $341Sale, conversion, retirement of capital stock, net
  • $336Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.43%Yield on earning assets
  • 1.81%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 14.48%Return on equity (ROE)
  • 11.90%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 217.01%Credit loss provision to net charge-offs
  • 9.39%Efficiency ratio
  • 57,085Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.84%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 171.11%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 86.50%Net loans and leases to core deposits
  • 92.67%Equity capital to assets
  • 7.92%Core capital (leverage) ratio
  • 7.71%Tier 1 risk-based capital ratio
  • 10.12%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $165,066Average earning assets
  • $13,001Average equity
  • $151,964Average loans

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