Peoples Bank in Senatobia, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 16, 2001

Peoples Bank in Senatobia, Mississippi (MS)
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Peoples Bank - Overview

General
FDIC Certificate #: 11422
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Tennessee Bank, National Association (#4977)
Federal Reserve ID: 738545
Date Established: January 01, 1916
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 7293
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: January 01, 1934
Last Structure Change Effective Date: November 16, 2001
Last Structure Change Process Date: January 02, 2002
Last Data Update: January 02, 2002
Data Source Date: April 05, 2012
Location
Address: 207 East Main Street, Senatobia, MS 38668
County: Tate
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
Financial Summary
Total assets: $126.1 mil

1992 - 1999 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, 2000)

Dollar figures in thousands
32Total employees (full-time equivalent)
$118,045Total assets
$4,096Cash and due from depository institutions
$0Interest-bearing balances
$32,078Securities
$4,065Federal funds sold & reverse repurchase agreements
$68,402Net loans & leases
$1,060Loan loss allowance
$0Trading account assets
$1,441Bank premises and fixed assets
$118Other real estate owned
$6,140Goodwill and other intangibles
$0Life insurance assets
$1,705All other assets
$118,045Total liabilities and capital
$100,782Total liabilities
$95,050Total deposits
$82,625Interest-bearing deposits
$95,050Deposits held in domestic offices
0.00%% insured (estimated)
$4,500Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,232All other liabilities
$17,263Total equity capital
$17,263Total bank equity capital
$17,263Perpetual preferred stock
$0Common stock
$500Surplus
$15,930Undivided profits
Memoranda
$833Noncurrent loans and leases
$6,731Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$472Earning assets
$0Long-term assets (5+ years)
$1,066Average Assets, year-to-date
$104,545Average Assets, quarterly
$16,184Volatile liabilities
$115,331Insider loans
$116,260FHLB advances
$29,235Loans and leases held for sale
$359Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,731Total unused commitments
$0Restructured Loans and leases
$954Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$8,592Total interest income
$3,870Total interest expense
$4,722Net interest income
$262Provision for loan and lease losses
$867Total noninterest income
$0Fiduciary activities
$742Service charges on deposit accounts
$0Trading account gains & fees
$125Additional noninterest income
$2,941Total noninterest expense
$1,337Salaries and employee benefits
$257Premises and equipment expense
$1,347Additional noninterest expense
$2,386Pre-tax net operating income
-$1Securities gains (losses)
$941Applicable income taxes
$1,444Income before extraordinary items
$0Extraordinary gains - net
$1,444Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$168Sale, conversion, retirement of capital stock, net
$1,400Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.40%Yield on earning assets
3.78%Cost of funding earning assets
4.62%Net interest margin
0.85%Noninterest income to earning assets
2.88%Noninterest expense to earning assets
1.25%Net operating income to assets
1.25%Return on assets (ROA)
2.07%Pretax return on assets
8.46%Return on equity (ROE)
0.26%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
155.95%Credit loss provision to net charge-offs
15.76%Efficiency ratio
43,192Assets per employee
3.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.95%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
224.58%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
0.68%Net loans and leases to deposits
71.96%Net loans and leases to core deposits
97.28%Equity capital to assets
14.62%Core capital (leverage) ratio
10.25%Tier 1 risk-based capital ratio
14.59%Total risk-based capital ratio
Memoranda
$16Average assets
$115,331Average earning assets
$17,065Average equity
$102,265Average loans

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