Peoples Bank of the South in city_name, state_name - Detailed Financial Reports, Location

Peoples Bank of the South in Bude, Mississippi (MS)
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Peoples Bank of the South routing number info

Peoples Bank of the South - Overview

General
FDIC Certificate #: 34763
Status: Active
Federal Reserve ID: 2710705
Bank Holding Company (Regulatory Top Holder): Pbfc Holding Company (RSSDID: 3179859, Location: Bude, MS)
Date Established: July 06, 1998
WWW: http://www.pbfc.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 61535
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: July 06, 1998
Last Structure Change Effective Date: July 15, 2007
Last Structure Change Process Date: August 10, 2007
Last Data Update: August 10, 2007
Data Source Date: April 05, 2012
Location
Address: 2292 Highway 184 E, Bude, MS 39630
County: Franklin
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Jackson Ms
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Change in Location
Name Change
Financial Summary
Total assets: $77.7 mil
Equity capital: $7.0 mil
Deposits held in domestic offices: $67.7 mil
Return on assets (ROA): 0.23% ($0.2 mil)
Quarterly return on assets: -0.35% (-$0.3 mil)
Return on Equity (ROE): 2.63% ($0.2 mil)
Quarterly return on equity: -3.92% (-$0.3 mil)
Net income: $0.2 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.37% ($287.6 mil)
Quarterly Pretax return on assets: -0.32% (-$248.8 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
34Total employees (full-time equivalent)
$77,740Total assets
$3,008Cash and due from depository institutions
$397Interest-bearing balances
$14,015Securities
$1,600Federal funds sold & reverse repurchase agreements
$52,954Net loans & leases
$500Loan loss allowance
$0Trading account assets
$3,009Bank premises and fixed assets
$2,048Other real estate owned
$0Goodwill and other intangibles
$77,740Life insurance assets
$1,106All other assets
$70,738Total liabilities and capital
$67,686Total liabilities
$64,913Total deposits
$67,686Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,997Trading liabilities
$0Other borrowed funds
$55Subordinated debt
$7,002All other liabilities
$7,002Total equity capital
$7,002Total bank equity capital
$0Perpetual preferred stock
$361Common stock
$6,475Surplus
$166Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$326Income earned, not collected on loans
$0Earning assets
$332Long-term assets (5+ years)
$68,966Average Assets, year-to-date
$7,359Average Assets, quarterly
$79,291Volatile liabilities
$78,865Insider loans
$53,491FHLB advances
$77,790Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,789Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,154Restructured Loans and leases
$1,697Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,689Total interest income
$1,036Total interest expense
$3,653Net interest income
-$297Provision for loan and lease losses
$488Total noninterest income
$0Fiduciary activities
$536Service charges on deposit accounts
$0Trading account gains & fees
-$48Additional noninterest income
$4,145Total noninterest expense
$2,043Salaries and employee benefits
$635Premises and equipment expense
$1,467Additional noninterest expense
$293Pre-tax net operating income
$0Securities gains (losses)
$111Applicable income taxes
$182Income before extraordinary items
$0Extraordinary gains - net
$182Net income attributable to bank
$0Net charge-offs
$182Cash dividends
-$210Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.70%Yield on earning assets
1.48%Cost of funding earning assets
5.22%Net interest margin
0.70%Noninterest income to earning assets
5.93%Noninterest expense to earning assets
0.23%Net operating income to assets
0.23%Return on assets (ROA)
0.37%Pretax return on assets
2.63%Return on equity (ROE)
2.63%Retained earnings to average equity (YTD only)
-0.40%Net charge-offs to loans
141.43%Credit loss provision to net charge-offs
0.00%Efficiency ratio
100,097Assets per employee
2.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
153.37%Noncurrent assets plus other real estate owned to assets
3.05%Noncurrent loans to loans
0.61%Net loans and leases to deposits
78.23%Net loans and leases to core deposits
82.26%Equity capital to assets
9.01%Core capital (leverage) ratio
8.73%Tier 1 risk-based capital ratio
12.69%Total risk-based capital ratio
Memoranda
$14Average assets
$79,291Average earning assets
$6,929Average equity
$69,937Average loans

List of branches

3 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	61535	Peoples Bank Of The South	2292 Highway 184 E, Bude, MS 39630	July 06, 1998	Full Service Brick and Mortar
1	437797	Meadville Branch	50 Main Street West, Meadville, MS 39653	Febuary 14, 2005	Full Service Brick and Mortar
3	474217	Gloster Branch	647 Highway 33, Gloster, MS 39638	May 06, 2008	Full Service Brick and Mortar

Peoples Bank of the South in Bude, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of the South - 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 of the South in Bude, Mississippi (MS)Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of the South - 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 of the South in Bude, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches