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

Peoples Bank of the South in La Follette, Tennessee (TN)
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Peoples Bank of the South routing number info

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Peoples Bank of the South - Overview

General
FDIC Certificate #: 4945
Status: Active
Federal Reserve ID: 277736
Date Established: January 01, 1917
WWW: http://www.peoplesbanksouth.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 3288
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 01, 2012
Last Structure Change Process Date: March 01, 2012
Last Data Update: March 01, 2012
Data Source Date: April 05, 2012
Location
Address: 106 West Central Ave, La Follette, TN 37766
County: Campbell
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Knoxville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Knoxville-Sevierville-La Follette, TN (#314)
Core Based Statistical Area (CBSA): La Follette, TN (#29220)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $152.3 mil
Equity capital: $19.2 mil
Deposits held in domestic offices: $132.0 mil
Return on assets (ROA): 0.91% ($1.4 mil)
Quarterly return on assets: 0.77% ($1.2 mil)
Return on Equity (ROE): 7.28% ($1.4 mil)
Quarterly return on equity: 6.12% ($1.2 mil)
Net income: $1.4 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.97% ($1,477.3 mil)
Quarterly Pretax return on assets: 0.82% ($1,248.9 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
47Total employees (full-time equivalent)
$152,301Total assets
$9,533Cash and due from depository institutions
$228Interest-bearing balances
$7,548Securities
$5,355Federal funds sold & reverse repurchase agreements
$121,003Net loans & leases
$1,914Loan loss allowance
$0Trading account assets
$4,320Bank premises and fixed assets
$2,661Other real estate owned
$0Goodwill and other intangibles
$152,301Life insurance assets
$1,881All other assets
$133,101Total liabilities and capital
$132,015Total liabilities
$107,324Total deposits
$132,015Interest-bearing deposits
$95Deposits held in domestic offices
556.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$530Subordinated debt
$19,200All other liabilities
$19,200Total equity capital
$19,200Total bank equity capital
$0Perpetual preferred stock
$411Common stock
$1,841Surplus
$16,948Undivided profits
Memoranda
$0Noncurrent loans and leases
$115Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,788Income earned, not collected on loans
$0Earning assets
$962Long-term assets (5+ years)
$134,134Average Assets, year-to-date
$3,012Average Assets, quarterly
$152,981Volatile liabilities
$153,212Insider loans
$112,651FHLB advances
$153,901Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,854Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,018Restructured Loans and leases
$271Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,046Total interest income
$1,206Total interest expense
$6,840Net interest income
$650Provision for loan and lease losses
$495Total noninterest income
$0Fiduciary activities
$536Service charges on deposit accounts
$0Trading account gains & fees
-$41Additional noninterest income
$5,199Total noninterest expense
$2,676Salaries and employee benefits
$763Premises and equipment expense
$1,760Additional noninterest expense
$1,486Pre-tax net operating income
$2Securities gains (losses)
$98Applicable income taxes
$1,390Income before extraordinary items
$0Extraordinary gains - net
$1,390Net income attributable to bank
$0Net charge-offs
$1,390Cash dividends
$509Sale, conversion, retirement of capital stock, net
$1,152Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.92%Yield on earning assets
0.89%Cost of funding earning assets
5.04%Net interest margin
0.36%Noninterest income to earning assets
3.83%Noninterest expense to earning assets
0.91%Net operating income to assets
0.91%Return on assets (ROA)
0.97%Pretax return on assets
7.28%Return on equity (ROE)
1.25%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
127.70%Credit loss provision to net charge-offs
4.20%Efficiency ratio
70,879Assets per employee
3.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
82.88%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
39.97%Noncurrent assets plus other real estate owned to assets
4.89%Noncurrent loans to loans
3.90%Net loans and leases to deposits
91.66%Net loans and leases to core deposits
94.56%Equity capital to assets
12.61%Core capital (leverage) ratio
12.25%Tier 1 risk-based capital ratio
16.74%Total risk-based capital ratio
Memoranda
$18Average assets
$152,981Average earning assets
$19,082Average equity
$135,844Average loans

List of branches

4 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3288	Peoples Bank Of The South	106 West Central Ave, La Follette, TN 37766	January 01, 1917	Full Service Brick and Mortar
1	205671	Jacksboro Branch	2300 Jacksboro Pike, La Follette, TN 37766	April 01, 1976	Full Service Brick and Mortar
3	205673	Norris-Clinton Branch	2152 North Charles G. Seivers Boulevard, Clinton, TN 37716	October 24, 1994	Full Service Brick and Mortar
4	464482	Peoples Bank Scott County Branch	235 Depot Street, Oneida, TN 37841	June 25, 2007	Full Service Brick and Mortar

Peoples Bank of the South in La Follette, Tennessee (TN)
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 La Follette, Tennessee (TN)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 La Follette, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches