FDIC Certificate #: 53 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:PeoplesSouth Bank (#21292) Federal Reserve ID: 190732 Date Established: October 21, 1912 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 6 (Interstate: No) OTS Docket #: 15766 FDIC's unique #: 34 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 13, 2005 Last Structure Change Process Date: May 03, 2005 Last Data Update: May 03, 2005 Data Source Date: April 05, 2012
Location
Address: 109 East Church Street, Columbia, AL 36319 County: Houston Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Montgomery Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Dothan, AL (#2180) Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222) Core Based Statistical Area (CBSA): Dothan, AL (#20020) CBSA Metro Statistical Area: Dothan, AL (#20020)
Financial Summary
Total assets: $160.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
47Total employees (full-time equivalent)
$160,175Total assets
$2,572Cash and due from depository institutions
$16Interest-bearing balances
$20,409Securities
$5,312Federal funds sold & reverse repurchase agreements
$124,570Net loans & leases
$1,811Loan loss allowance
$0Trading account assets
$1,842Bank premises and fixed assets
$3,461Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,009All other assets
$160,175Total liabilities and capital
$146,282Total liabilities
$144,723Total deposits
$132,483Interest-bearing deposits
$144,723Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,559All other liabilities
$13,893Total equity capital
$13,893Total bank equity capital
$13,893Perpetual preferred stock
$0Common stock
$25Surplus
$3,345Undivided profits
Memoranda
$10,523Noncurrent loans and leases
$13,966Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,049Earning assets
$0Long-term assets (5+ years)
$1,116Average Assets, year-to-date
$150,307Average Assets, quarterly
$24,832Volatile liabilities
$157,667Insider loans
$160,036FHLB advances
$37,717Loans and leases held for sale
$12Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,966Total unused commitments
$221Restructured Loans and leases
$1,581Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$9,307Total interest income
$2,969Total interest expense
$6,338Net interest income
$443Provision for loan and lease losses
$688Total noninterest income
$0Fiduciary activities
$710Service charges on deposit accounts
$0Trading account gains & fees
-$22Additional noninterest income
$3,568Total noninterest expense
$1,534Salaries and employee benefits
$247Premises and equipment expense
$1,787Additional noninterest expense
$3,015Pre-tax net operating income
$43Securities gains (losses)
$1,072Applicable income taxes
$1,986Income before extraordinary items
$0Extraordinary gains - net
$1,986Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$494Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.40%Yield on earning assets
2.04%Cost of funding earning assets
4.36%Net interest margin
0.47%Noninterest income to earning assets
2.45%Noninterest expense to earning assets
1.24%Net operating income to assets
1.26%Return on assets (ROA)
1.94%Pretax return on assets
14.74%Return on equity (ROE)
7.32%Retained earnings to average equity (YTD only)
0.40%Net charge-offs to loans
89.68%Credit loss provision to net charge-offs
7.00%Efficiency ratio
50,783Assets per employee
3.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.35%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
88.38%Noncurrent assets plus other real estate owned to assets
3.44%Noncurrent loans to loans
1.62%Net loans and leases to deposits
86.07%Net loans and leases to core deposits
116.41%Equity capital to assets
8.67%Core capital (leverage) ratio
8.47%Tier 1 risk-based capital ratio
10.87%Total risk-based capital ratio
Memoranda
$12Average assets
$157,667Average earning assets
$13,471Average equity
$145,502Average loans
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