FDIC Certificate #: 1730 Status: Active Federal Reserve ID: 320034 Bank Holding Company (Regulatory Top Holder): Greensboro Bancshares, Inc. (RSSDID: 1086775, Location: Greensboro, AL) Date Established: March 07, 1904 WWW:http://www.peoplesbankofgreensboro.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 #: 1142 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: Febuary 24, 2011 Last Structure Change Process Date: Febuary 24, 2011 Last Data Update: Febuary 24, 2011 Data Source Date: April 05, 2012
Location
Address: 1402 State Street, Greensboro, AL 36744 County: Hale Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Shelby Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Tuscaloosa, AL (#46220) CBSA Metro Statistical Area: Tuscaloosa, AL (#46220)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $90.9 mil Equity capital: $8.6 mil Deposits held in domestic offices: $81.9 mil Return on assets (ROA): 1.26% ($1.1 mil) Quarterly return on assets: 0.85% ($0.8 mil) Return on Equity (ROE): 13.35% ($1.2 mil) Quarterly return on equity: 8.91% ($0.8 mil) Net income: $1.1 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.26% ($1,145.4 mil) Quarterly Pretax return on assets: 0.85% ($772.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$90,908Total assets
$2,592Cash and due from depository institutions
$211Interest-bearing balances
$34,902Securities
$6,938Federal funds sold & reverse repurchase agreements
$44,605Net loans & leases
$411Loan loss allowance
$0Trading account assets
$322Bank premises and fixed assets
$636Other real estate owned
$0Goodwill and other intangibles
$90,908Life insurance assets
$913All other assets
$82,309Total liabilities and capital
$81,948Total liabilities
$66,836Total deposits
$81,948Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$361Subordinated debt
$8,599All other liabilities
$8,599Total equity capital
$8,599Total bank equity capital
$0Perpetual preferred stock
$8Common stock
$1,592Surplus
$6,999Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$946Income earned, not collected on loans
$0Earning assets
$552Long-term assets (5+ years)
$86,656Average Assets, year-to-date
$24,305Average Assets, quarterly
$89,349Volatile liabilities
$92,413Insider loans
$52,853FHLB advances
$92,565Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,639Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,578Restructured Loans and leases
$1,675Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,852Total interest income
$1,099Total interest expense
$2,753Net interest income
$39Provision for loan and lease losses
$364Total noninterest income
$0Fiduciary activities
$245Service charges on deposit accounts
$0Trading account gains & fees
$119Additional noninterest income
$1,955Total noninterest expense
$890Salaries and employee benefits
$256Premises and equipment expense
$809Additional noninterest expense
$1,123Pre-tax net operating income
$4Securities gains (losses)
$0Applicable income taxes
$1,127Income before extraordinary items
$0Extraordinary gains - net
$1,127Net income attributable to bank
$0Net charge-offs
$1,127Cash dividends
$39Sale, conversion, retirement of capital stock, net
$1,150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.56%Yield on earning assets
1.30%Cost of funding earning assets
3.26%Net interest margin
0.43%Noninterest income to earning assets
2.32%Noninterest expense to earning assets
1.26%Net operating income to assets
1.26%Return on assets (ROA)
1.26%Pretax return on assets
13.35%Return on equity (ROE)
-0.27%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
29.79%Efficiency ratio
62,721Assets per employee
5.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
102.04%Loss allowance to loans
0.91%Loss allowance to noncurrent loans
43.45%Noncurrent assets plus other real estate owned to assets
1.74%Noncurrent loans to loans
2.10%Net loans and leases to deposits
54.43%Net loans and leases to core deposits
59.60%Equity capital to assets
9.46%Core capital (leverage) ratio
8.25%Tier 1 risk-based capital ratio
14.45%Total risk-based capital ratio
Memoranda
$15Average assets
$89,349Average earning assets
$8,443Average equity
$84,416Average loans
List of branches
1 Alabama Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1142
Peoples Bank Of Greensboro
1402 State Street, Greensboro, AL 36744
March 07, 1904
Full Service Brick and Mortar
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