FDIC Certificate #: 1475 Status: Active Federal Reserve ID: 28732 Bank Holding Company (Regulatory Top Holder): Peoples Bancorp, Inc. (RSSDID: 1131554, Location: Manchester, TN) Date Established: July 06, 1905 WWW:http://www.bankwithpeoples.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 971 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: November 24, 2008 Last Structure Change Process Date: November 24, 2008 Last Data Update: November 24, 2008 Data Source Date: April 05, 2012
Location
Address: 1203 Hillsboro Boulevard, Manchester, TN 37355 County: Coffee Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Nashville Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Tullahoma, TN (#46100) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $80.1 mil Equity capital: $8.5 mil Deposits held in domestic offices: $66.0 mil Return on assets (ROA): 0.45% ($0.4 mil) Quarterly return on assets: 0.40% ($0.3 mil) Return on Equity (ROE): 4.25% ($0.4 mil) Quarterly return on equity: 3.70% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.60% ($480.6 mil) Quarterly Pretax return on assets: 0.57% ($456.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
21Total employees (full-time equivalent)
$80,103Total assets
$4,032Cash and due from depository institutions
$1,294Interest-bearing balances
$21,880Securities
$1,005Federal funds sold & reverse repurchase agreements
$45,658Net loans & leases
$1,102Loan loss allowance
$0Trading account assets
$4,300Bank premises and fixed assets
$166Other real estate owned
$0Goodwill and other intangibles
$80,103Life insurance assets
$3,062All other assets
$71,590Total liabilities and capital
$66,046Total liabilities
$49,358Total deposits
$66,046Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$1,544Subordinated debt
$8,513All other liabilities
$8,513Total equity capital
$8,513Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$307Surplus
$7,956Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$736Income earned, not collected on loans
$0Earning assets
$426Long-term assets (5+ years)
$69,837Average Assets, year-to-date
$17,389Average Assets, quarterly
$79,994Volatile liabilities
$79,681Insider loans
$53,589FHLB advances
$80,254Loans and leases held for sale
$1,532Unused loan commitments
$1,532Tier 1 (core) risk-based capital
$8,312Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,792Restructured Loans and leases
$1,118Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,309Total interest income
$538Total interest expense
$2,771Net interest income
$135Provision for loan and lease losses
$391Total noninterest income
$0Fiduciary activities
$208Service charges on deposit accounts
$0Trading account gains & fees
$183Additional noninterest income
$2,560Total noninterest expense
$1,145Salaries and employee benefits
$435Premises and equipment expense
$980Additional noninterest expense
$467Pre-tax net operating income
$16Securities gains (losses)
$126Applicable income taxes
$357Income before extraordinary items
$0Extraordinary gains - net
$357Net income attributable to bank
$0Net charge-offs
$357Cash dividends
-$13Sale, conversion, retirement of capital stock, net
$207Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
0.78%Cost of funding earning assets
4.01%Net interest margin
0.57%Noninterest income to earning assets
3.70%Noninterest expense to earning assets
0.43%Net operating income to assets
0.45%Return on assets (ROA)
0.60%Pretax return on assets
4.25%Return on equity (ROE)
1.79%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
-1038.46%Credit loss provision to net charge-offs
0.00%Efficiency ratio
80,961Assets per employee
3.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.98%Loss allowance to loans
2.36%Loss allowance to noncurrent loans
149.73%Noncurrent assets plus other real estate owned to assets
1.13%Noncurrent loans to loans
1.57%Net loans and leases to deposits
69.13%Net loans and leases to core deposits
71.79%Equity capital to assets
10.63%Core capital (leverage) ratio
10.36%Tier 1 risk-based capital ratio
15.51%Total risk-based capital ratio
Memoranda
$17Average assets
$79,994Average earning assets
$8,397Average equity
$69,185Average loans
List of branches
1 Tennessee Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
971
Peoples Bank & Trust Company
1203 Hillsboro Boulevard, Manchester, TN 37355
July 06, 1905
Full Service Brick and Mortar
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 Peoples Bank & Trust 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.
Comment about this bank, ask questions, or add new information about it: