Peoples National Bank in Niceville, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples National Bank in Niceville, Florida (FL)
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Peoples National Bank routing number info

Peoples National Bank - Overview

  • General
  • FDIC Certificate #: 26687
    Status: Active
    Federal Reserve ID: 483537
    Bank Holding Company (Regulatory Top Holder): Bankshares Corporation Of Niceville (RSSDID: 1363793, Location: Niceville, FL)
    Date Established: June 16, 1986
    WWW: http://www.pnbon.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 12093
    FDIC's unique #: 35706
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 16, 1986
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1020 John Sims Parkway, Niceville, FL 32578
    County: Okaloosa
    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
    Metropolitan Statistical Area (MSA): Fort Walton Beach, FL (#2750)
    Core Based Statistical Area (CBSA): Crestview-Fort Walton Beach-Destin, FL (#18880)
    CBSA Metro Statistical Area: Crestview-Fort Walton Beach-Destin, FL (#18880)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $111.4 mil
    Equity capital: $11.2 mil
    Deposits held in domestic offices: $100.1 mil
    Return on assets (ROA): 0.04% ($0.0 mil)
    Quarterly return on assets: 0.40% ($0.4 mil)
    Return on Equity (ROE): 0.49% ($0.1 mil)
    Quarterly return on equity: 4.09% ($0.4 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.04% ($44.6 mil)
    Quarterly Pretax return on assets: 0.40% ($445.7 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
  • 40Total employees (full-time equivalent)
  • $111,423Total assets
  • $2,529Cash and due from depository institutions
  • $678Interest-bearing balances
  • $30,663Securities
  • $9,265Federal funds sold & reverse repurchase agreements
  • $64,025Net loans & leases
  • $1,187Loan loss allowance
  • $0Trading account assets
  • $1,000Bank premises and fixed assets
  • $2,228Other real estate owned
  • $0Goodwill and other intangibles
  • $111,423Life insurance assets
  • $1,713All other assets
  • $100,236Total liabilities and capital
  • $100,121Total liabilities
  • $88,572Total deposits
  • $100,121Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $115Subordinated debt
  • $11,187All other liabilities
  • $11,187Total equity capital
  • $11,187Total bank equity capital
  • $0Perpetual preferred stock
  • $1,079Common stock
  • $1,319Surplus
  • $8,789Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,355Income earned, not collected on loans
  • $0Earning assets
  • $485Long-term assets (5+ years)
  • $104,631Average Assets, year-to-date
  • $41,217Average Assets, quarterly
  • $116,998Volatile liabilities
  • $112,835Insider loans
  • $63,388FHLB advances
  • $112,079Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,157Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,353Restructured Loans and leases
  • $1,430Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,862Total interest income
  • $813Total interest expense
  • $5,049Net interest income
  • $809Provision for loan and lease losses
  • -$357Total noninterest income
  • $0Fiduciary activities
  • $226Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$583Additional noninterest income
  • $4,152Total noninterest expense
  • $1,958Salaries and employee benefits
  • $829Premises and equipment expense
  • $1,365Additional noninterest expense
  • -$269Pre-tax net operating income
  • $318Securities gains (losses)
  • $0Applicable income taxes
  • $49Income before extraordinary items
  • $0Extraordinary gains - net
  • $49Net income attributable to bank
  • $0Net charge-offs
  • $49Cash dividends
  • $1,398Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.65%Net interest margin
  • -0.33%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • -0.23%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.04%Pretax return on assets
  • 0.49%Return on equity (ROE)
  • 0.49%Retained earnings to average equity (YTD only)
  • 2.07%Net charge-offs to loans
  • 57.87%Credit loss provision to net charge-offs
  • 0.39%Efficiency ratio
  • 88,491Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 35.38%Noncurrent assets plus other real estate owned to assets
  • 5.01%Noncurrent loans to loans
  • 5.14%Net loans and leases to deposits
  • 63.95%Net loans and leases to core deposits
  • 68.11%Equity capital to assets
  • 10.04%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 17.60%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $116,998Average earning assets
  • $10,062Average equity
  • $108,647Average loans

List of branches

  • 3 Florida Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    035706Peoples National Bank1020 John Sims Parkway, Niceville, FL 32578June 16, 1986Full Service Brick and Mortar
    1360511Freeport Branch15835 331 Business, Freeport, FL 32439Febuary 15, 2001Full Service Brick and Mortar
    2433232Defuniak Springs Branch1452 Highway 331, South, Defuniak Springs, FL 32433October 05, 2004Full Service Brick and Mortar

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