The Peoples Bank in city_name, state_name - Detailed Financial Reports, Location

The Peoples Bank in Ripley, Mississippi (MS)
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The Peoples Bank routing number info

The Peoples Bank - Overview

General
FDIC Certificate #: 15871
Status: Active
Federal Reserve ID: 593249
Bank Holding Company (Regulatory Top Holder): Peoples Corporation, The (RSSDID: 1097061, Location: Ripley, MS)
Date Established: March 03, 1925
WWW: http://www.peoplesripley.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 11552
FDIC's unique #: 10108
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: December 18, 1941
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: 305 East Jefferson, Ripley, MS 38663
County: Tippah
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $373.9 mil
Equity capital: $35.2 mil
Deposits held in domestic offices: $318.1 mil
Return on assets (ROA): 0.94% ($3.5 mil)
Quarterly return on assets: 0.40% ($1.5 mil)
Return on Equity (ROE): 10.01% ($3.5 mil)
Quarterly return on equity: 4.22% ($1.5 mil)
Net income: $3.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.15% ($4,299.9 mil)
Quarterly Pretax return on assets: 0.42% ($1,570.4 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
84Total employees (full-time equivalent)
$373,903Total assets
$15,495Cash and due from depository institutions
$1,277Interest-bearing balances
$172,302Securities
$0Federal funds sold & reverse repurchase agreements
$166,909Net loans & leases
$1,388Loan loss allowance
$0Trading account assets
$3,577Bank premises and fixed assets
$411Other real estate owned
$430Goodwill and other intangibles
$373,903Life insurance assets
$14,779All other assets
$338,740Total liabilities and capital
$318,096Total liabilities
$274,552Total deposits
$318,096Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$19,498Trading liabilities
$0Other borrowed funds
$1,146Subordinated debt
$35,163All other liabilities
$35,163Total equity capital
$35,163Total bank equity capital
$0Perpetual preferred stock
$696Common stock
$24,204Surplus
$10,263Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,026Income earned, not collected on loans
$0Earning assets
$2,455Long-term assets (5+ years)
$340,488Average Assets, year-to-date
$206,512Average Assets, quarterly
$370,965Volatile liabilities
$376,279Insider loans
$186,822FHLB advances
$370,936Loans and leases held for sale
$8,757Unused loan commitments
$7,802Tier 1 (core) risk-based capital
$33,514Tier 2 risk-based capital
$955Total risk weighted assets
$0Total unused commitments
$18,204Restructured Loans and leases
$5,217Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,547Total interest income
$5,639Total interest expense
$9,908Net interest income
$751Provision for loan and lease losses
$3,282Total noninterest income
$61Fiduciary activities
$1,265Service charges on deposit accounts
$0Trading account gains & fees
$1,956Additional noninterest income
$8,160Total noninterest expense
$5,149Salaries and employee benefits
$722Premises and equipment expense
$2,289Additional noninterest expense
$4,279Pre-tax net operating income
$0Securities gains (losses)
$806Applicable income taxes
$3,473Income before extraordinary items
$0Extraordinary gains - net
$3,473Net income attributable to bank
$0Net charge-offs
$3,473Cash dividends
$624Sale, conversion, retirement of capital stock, net
$2,434Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.64%Yield on earning assets
1.68%Cost of funding earning assets
2.95%Net interest margin
0.98%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
0.94%Net operating income to assets
0.94%Return on assets (ROA)
1.15%Pretax return on assets
10.01%Return on equity (ROE)
3.00%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
120.35%Credit loss provision to net charge-offs
8.06%Efficiency ratio
61,865Assets per employee
4.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.08%Loss allowance to loans
0.82%Loss allowance to noncurrent loans
135.28%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.61%Net loans and leases to deposits
52.47%Net loans and leases to core deposits
61.06%Equity capital to assets
9.40%Core capital (leverage) ratio
9.03%Tier 1 risk-based capital ratio
17.94%Total risk-based capital ratio
Memoranda
$19Average assets
$370,965Average earning assets
$34,690Average equity
$335,373Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$41,251Managed Assets
1Number of Accounts
$29,995Personal trust and agency accounts
$23,488Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$6,507Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
237Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$11,256Other retirement accounts
$1,233Corporate trust and agency accounts
$0Other fiduciary accounts
$10,023Fiduciary accounts held in foreign offices

List of branches

6 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10108	The Peoples Bank	305 East Jefferson, Ripley, MS 38663	March 03, 1925	Full Service Brick and Mortar
2	235665	East Motor Branch	405 East Walnut Street, Ripley, MS 38663	September 17, 1971	Limited Service Facility
4	235667	Mcgill North Branch	1414 Highway 15 North, Ripley, MS 38663	August 08, 1983	Limited Service Facility
5	235668	Ripley Branch	911 Highway 15 South, Ripley, MS 38663	July 18, 1988	Limited Service Facility
8	235669	Walnut Branch	Highway 15 North, Walnut, MS 38683	November 20, 1995	Full Service Brick and Mortar
9	235670	Blue Mountain Branch	122 North Guyton Boulevard, Blue Mountain, MS 38610	April 22, 1996	Limited Service Facility

The Peoples Bank in Ripley, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Peoples Bank in Ripley, Mississippi (MS)Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Peoples Bank in Ripley, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches