Peoples Bank in city_name, state_name - Detailed Financial Reports, Location

Peoples Bank in Westville, Oklahoma (OK)
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Peoples Bank routing number info

Peoples Bank - Overview

General
FDIC Certificate #: 2320
Status: Active
Federal Reserve ID: 539452
Bank Holding Company (Regulatory Top Holder): Peoples Commercial Bancorp, Inc. (RSSDID: 2606321, Location: Stilwell, OK)
Date Established: Febuary 03, 1903
WWW: http://www.peoplesbankwestville.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 14454
FDIC's unique #: 1537
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: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
Location
Address: 121 South Williams Avenue, Westville, OK 74965
County: Adair
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $50.8 mil
Equity capital: $6.1 mil
Deposits held in domestic offices: $43.8 mil
Return on assets (ROA): 2.16% ($1.1 mil)
Quarterly return on assets: 3.83% ($2.0 mil)
Return on Equity (ROE): 18.89% ($1.1 mil)
Quarterly return on equity: 32.37% ($1.9 mil)
Net income: $1.1 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 2.16% ($1,097.2 mil)
Quarterly Pretax return on assets: 3.83% ($1,945.5 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
22Total employees (full-time equivalent)
$50,797Total assets
$1,264Cash and due from depository institutions
$31Interest-bearing balances
$15,573Securities
$0Federal funds sold & reverse repurchase agreements
$32,594Net loans & leases
$50Loan loss allowance
$0Trading account assets
$632Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$50,797Life insurance assets
$734All other assets
$44,675Total liabilities and capital
$43,756Total liabilities
$36,431Total deposits
$43,756Interest-bearing deposits
$94Deposits held in domestic offices
203.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$231Trading liabilities
$0Other borrowed funds
$485Subordinated debt
$6,122All other liabilities
$6,122Total equity capital
$6,122Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$650Surplus
$5,072Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$961Income earned, not collected on loans
$0Earning assets
$426Long-term assets (5+ years)
$48,198Average Assets, year-to-date
$20,159Average Assets, quarterly
$52,124Volatile liabilities
$51,334Insider loans
$35,242FHLB advances
$51,341Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,893Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,109Restructured Loans and leases
$114Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,654Total interest income
$473Total interest expense
$2,181Net interest income
$90Provision for loan and lease losses
$662Total noninterest income
$0Fiduciary activities
$414Service charges on deposit accounts
$0Trading account gains & fees
$248Additional noninterest income
$1,713Total noninterest expense
$907Salaries and employee benefits
$158Premises and equipment expense
$648Additional noninterest expense
$1,040Pre-tax net operating income
$86Securities gains (losses)
$0Applicable income taxes
$1,126Income before extraordinary items
$0Extraordinary gains - net
$1,126Net income attributable to bank
$0Net charge-offs
$1,126Cash dividends
$239Sale, conversion, retirement of capital stock, net
$940Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.47%Yield on earning assets
0.98%Cost of funding earning assets
4.50%Net interest margin
1.37%Noninterest income to earning assets
3.53%Noninterest expense to earning assets
2.00%Net operating income to assets
2.16%Return on assets (ROA)
2.16%Pretax return on assets
18.89%Return on equity (ROE)
3.12%Retained earnings to average equity (YTD only)
0.72%Net charge-offs to loans
37.66%Credit loss provision to net charge-offs
4.73%Efficiency ratio
60,253Assets per employee
2.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.48%Loss allowance to loans
0.15%Loss allowance to noncurrent loans
5.20%Noncurrent assets plus other real estate owned to assets
1.89%Noncurrent loans to loans
2.94%Net loans and leases to deposits
74.49%Net loans and leases to core deposits
78.08%Equity capital to assets
12.05%Core capital (leverage) ratio
11.48%Tier 1 risk-based capital ratio
16.72%Total risk-based capital ratio
Memoranda
$17Average assets
$52,124Average earning assets
$5,960Average equity
$48,475Average loans

List of branches

2 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	1537	Peoples Bank	121 South Williams Avenue, Westville, OK 74965	Febuary 03, 1903	Full Service Brick and Mortar
1	192488	West Siloam Springs Branch	Junction Of Highways 59 And 412, Westville, OK 74965	December 12, 1983	Full Service Brick and Mortar

Peoples Bank in Westville, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Peoples Bank in Westville, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Peoples Bank in Westville, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches