The Peoples Bank in Crawfordville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 23, 1994

The Peoples Bank in Crawfordville, Georgia (GA)
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The Peoples Bank - Overview

General
FDIC Certificate #: 16663
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: F&M Bank (#16897)
Federal Reserve ID: 346931
Date Established: August 21, 1937
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 10794
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 02, 1948
Last Structure Change Effective Date: September 23, 1994
Last Structure Change Process Date: October 19, 1994
Last Data Update: October 19, 1994
Data Source Date: April 05, 2012
Location
Address: Main Street, Crawfordville, GA 30631
County: Taliaferro
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $14.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$8Total assets
$15,240Cash and due from depository institutions
$663Interest-bearing balances
$100Securities
$4,923Federal funds sold & reverse repurchase agreements
$1,370Net loans & leases
$7,711Loan loss allowance
$169Trading account assets
$0Bank premises and fixed assets
$96Other real estate owned
$331Goodwill and other intangibles
$146Life insurance assets
$0All other assets
$0Total liabilities and capital
$15,240Total liabilities
$13,812Total deposits
$13,612Interest-bearing deposits
$11,891Deposits held in domestic offices
13612.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$200Total equity capital
$200Total bank equity capital
$1,428Perpetual preferred stock
$0Common stock
$100Surplus
$1,100Undivided profits
Memoranda
$228Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$38Income earned, not collected on loans
$67Earning assets
$14,104Long-term assets (5+ years)
$1,606Average Assets, year-to-date
$15,128Average Assets, quarterly
$14,901Volatile liabilities
$650Insider loans
$552FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,428Total risk weighted assets
$8,006Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,150Total interest expense
$581Net interest income
$569Provision for loan and lease losses
$0Total noninterest income
$40Fiduciary activities
$0Service charges on deposit accounts
$30Trading account gains & fees
$0Additional noninterest income
$10Total noninterest expense
$451Salaries and employee benefits
$252Premises and equipment expense
$47Additional noninterest expense
$152Pre-tax net operating income
$158Securities gains (losses)
-$21Applicable income taxes
$0Income before extraordinary items
$137Extraordinary gains - net
-$21Net income attributable to bank
$116Net charge-offs
-$11Cash dividends
$54Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.12%Cost of funding earning assets
4.10%Net interest margin
4.02%Noninterest income to earning assets
0.28%Noninterest expense to earning assets
3.19%Net operating income to assets
1.04%Return on assets (ROA)
0.77%Pretax return on assets
0.77%Return on equity (ROE)
8.42%Retained earnings to average equity (YTD only)
4.50%Net charge-offs to loans
-0.13%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,056Assets per employee
1.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.55%Loss allowance to loans
2.14%Loss allowance to noncurrent loans
444.74%Noncurrent assets plus other real estate owned to assets
2.42%Noncurrent loans to loans
0.48%Net loans and leases to deposits
56.65%Net loans and leases to core deposits
59.49%Equity capital to assets
9.37%Core capital (leverage) ratio
9.47%Tier 1 risk-based capital ratio
17.84%Total risk-based capital ratio
Memoranda
$19Average assets
$15,128Average earning assets
$1,378Average equity
$14,156Average loans

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