FDIC Certificate #: 21692 Status: Active Federal Reserve ID: 717232 Bank Holding Company (Regulatory Top Holder): Pbg Financial Services, Inc. (RSSDID: 1085415, Location: Graceville, FL) Date Established: July 12, 1974 WWW:http://www.peoplesgraceville.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 15013 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: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: July 12, 1974 Last Structure Change Effective Date: Febuary 22, 2007 Last Structure Change Process Date: Febuary 22, 2007 Last Data Update: Febuary 22, 2007 Data Source Date: April 05, 2012
Location
Address: 5306 Brown St, Graceville, FL 32440 County: Jackson Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Pensacola Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast
History of Changes
Change in Location
Financial Summary
Total assets: $77.0 mil Equity capital: $12.6 mil Deposits held in domestic offices: $63.6 mil Return on assets (ROA): 1.66% ($1.3 mil) Quarterly return on assets: 1.24% ($1.0 mil) Return on Equity (ROE): 10.35% ($1.3 mil) Quarterly return on equity: 7.39% ($1.0 mil) Net income: $1.3 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.66% ($1,278.2 mil) Quarterly Pretax return on assets: 1.24% ($954.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$76,998Total assets
$4,888Cash and due from depository institutions
$4,017Interest-bearing balances
$45,707Securities
$673Federal funds sold & reverse repurchase agreements
$24,120Net loans & leases
$300Loan loss allowance
$0Trading account assets
$107Bank premises and fixed assets
$710Other real estate owned
$0Goodwill and other intangibles
$76,998Life insurance assets
$793All other assets
$64,403Total liabilities and capital
$63,553Total liabilities
$52,162Total deposits
$63,553Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$850Subordinated debt
$12,595All other liabilities
$12,595Total equity capital
$12,595Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$959Surplus
$11,386Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$966Income earned, not collected on loans
$0Earning assets
$228Long-term assets (5+ years)
$74,517Average Assets, year-to-date
$29,623Average Assets, quarterly
$76,280Volatile liabilities
$76,783Insider loans
$28,006FHLB advances
$79,028Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,792Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,072Restructured Loans and leases
$1,762Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,053Total interest income
$787Total interest expense
$2,266Net interest income
$66Provision for loan and lease losses
$356Total noninterest income
$0Fiduciary activities
$356Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$1,325Total noninterest expense
$660Salaries and employee benefits
$176Premises and equipment expense
$489Additional noninterest expense
$1,231Pre-tax net operating income
$33Securities gains (losses)
$0Applicable income taxes
$1,264Income before extraordinary items
$0Extraordinary gains - net
$1,264Net income attributable to bank
$0Net charge-offs
$1,264Cash dividends
$16Sale, conversion, retirement of capital stock, net
$1,100Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
1.07%Cost of funding earning assets
3.07%Net interest margin
0.48%Noninterest income to earning assets
1.80%Noninterest expense to earning assets
1.61%Net operating income to assets
1.66%Return on assets (ROA)
1.66%Pretax return on assets
10.35%Return on equity (ROE)
1.34%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
412.50%Credit loss provision to net charge-offs
81.06%Efficiency ratio
50,534Assets per employee
6.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.03%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
31.06%Noncurrent assets plus other real estate owned to assets
2.18%Noncurrent loans to loans
3.96%Net loans and leases to deposits
37.95%Net loans and leases to core deposits
39.62%Equity capital to assets
16.36%Core capital (leverage) ratio
13.66%Tier 1 risk-based capital ratio
38.53%Total risk-based capital ratio
Memoranda
$40Average assets
$76,280Average earning assets
$12,217Average equity
$73,771Average loans
List of branches
1 Florida Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15013
Peoples Bank Of Graceville
5306 Brown St, Graceville, FL 32440
July 12, 1974
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 of Graceville.
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: