The Peoples Bank of Alabama in Centreville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 1993

The Peoples Bank of Alabama in Centreville, Alabama (AL)
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The Peoples Bank of Alabama - Overview

General
FDIC Certificate #: 16771
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Peoples Bank (#19110)
Federal Reserve ID: 185233
Date Established: June 01, 1914
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
FDIC's unique #: 10883
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: March 04, 1949
Last Structure Change Effective Date: March 01, 1993
Last Structure Change Process Date: May 17, 1993
Last Data Update: May 17, 1993
Data Source Date: April 05, 2012
Location
Address: 129 Westside Court Square, Centreville, AL 35042
County: Bibb
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Shelby
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
Financial Summary
Total assets: $117.7 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$66Total assets
$117,650Cash and due from depository institutions
$8,563Interest-bearing balances
$1,703Securities
$30,324Federal funds sold & reverse repurchase agreements
$14,100Net loans & leases
$60,080Loan loss allowance
$846Trading account assets
$0Bank premises and fixed assets
$2,182Other real estate owned
$1,066Goodwill and other intangibles
$869Life insurance assets
$466All other assets
$0Total liabilities and capital
$117,650Total liabilities
$109,857Total deposits
$109,468Interest-bearing deposits
$94,394Deposits held in domestic offices
109468.00%% insured (estimated)
$80Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$389Total equity capital
$389Total bank equity capital
$7,793Perpetual preferred stock
$0Common stock
$50Surplus
$876Undivided profits
Memoranda
$6,867Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,396Income earned, not collected on loans
$356Earning assets
$106,207Long-term assets (5+ years)
$9,548Average Assets, year-to-date
$102,755Average Assets, quarterly
$114,292Volatile liabilities
$12,845Insider loans
$178FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,327Total risk weighted assets
$68,609Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$7,623Total interest expense
$3,736Net interest income
$3,887Provision for loan and lease losses
$350Total noninterest income
$674Fiduciary activities
$0Service charges on deposit accounts
$543Trading account gains & fees
$0Additional noninterest income
$131Total noninterest expense
$3,471Salaries and employee benefits
$1,827Premises and equipment expense
$457Additional noninterest expense
$1,187Pre-tax net operating income
$740Securities gains (losses)
$26Applicable income taxes
$278Income before extraordinary items
$488Extraordinary gains - net
$0Net income attributable to bank
$488Net charge-offs
$176Cash dividends
$75Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.14%Cost of funding earning assets
3.99%Net interest margin
4.15%Noninterest income to earning assets
0.72%Noninterest expense to earning assets
3.70%Net operating income to assets
0.46%Return on assets (ROA)
0.47%Pretax return on assets
0.75%Return on equity (ROE)
6.40%Retained earnings to average equity (YTD only)
5.42%Net charge-offs to loans
0.28%Credit loss provision to net charge-offs
198.86%Efficiency ratio
74,720Assets per employee
1.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.37%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
60.60%Noncurrent assets plus other real estate owned to assets
2.09%Noncurrent loans to loans
2.29%Net loans and leases to deposits
54.88%Net loans and leases to core deposits
62.18%Equity capital to assets
6.62%Core capital (leverage) ratio
6.45%Tier 1 risk-based capital ratio
10.68%Total risk-based capital ratio
Memoranda
$12Average assets
$102,755Average earning assets
$7,622Average equity
$93,693Average loans

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