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

This bank is inactive as of July 01, 2008

  • The Peoples Bank of Coffee County in Elba, Alabama (AL)
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The Peoples Bank of Coffee County - Overview

  • General
  • FDIC Certificate #: 33985
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Troy Bank & Trust Company (#5598)
    Federal Reserve ID: 2273385
    Date Established: Febuary 18, 1995
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 13704
    FDIC's unique #: 55563
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 18, 1995
    Last Structure Change Effective Date: July 01, 2008
    Last Structure Change Process Date: September 24, 2008
    Last Data Update: September 24, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 429 North Claxton Avenue, Elba, AL 36323
    County: Coffee
    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
    Combined Statistical Area (CSA): Dothan-Enterprise-Ozark, AL (#222)
    Core Based Statistical Area (CBSA): Enterprise-Ozark, AL (#21460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $206.1 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, 2007)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $197,452Total assets
  • $10,490Cash and due from depository institutions
  • $0Interest-bearing balances
  • $48,029Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $128,818Net loans & leases
  • $2,327Loan loss allowance
  • $0Trading account assets
  • $1,839Bank premises and fixed assets
  • $176Other real estate owned
  • $2,892Goodwill and other intangibles
  • $957Life insurance assets
  • $5,208All other assets
  • $197,452Total liabilities and capital
  • $179,248Total liabilities
  • $161,381Total deposits
  • $145,319Interest-bearing deposits
  • $161,381Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $9,231Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,000Other borrowed funds
  • $0Subordinated debt
  • $1,636All other liabilities
  • $18,204Total equity capital
  • $18,204Total bank equity capital
  • $18,204Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $13,083Undivided profits
  • Memoranda
  • $5,120Noncurrent loans and leases
  • $7,139Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,953Earning assets
  • $0Long-term assets (5+ years)
  • $2,561Average Assets, year-to-date
  • $176,847Average Assets, quarterly
  • $32,249Volatile liabilities
  • $191,646Insider loans
  • $199,880FHLB advances
  • $67,629Loans and leases held for sale
  • $2,450Unused loan commitments
  • $7,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $169Total risk weighted assets
  • $7,139Total unused commitments
  • $235Restructured Loans and leases
  • $1,782Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $13,141Total interest income
  • $7,326Total interest expense
  • $5,815Net interest income
  • $1,210Provision for loan and lease losses
  • $912Total noninterest income
  • $0Fiduciary activities
  • $743Service charges on deposit accounts
  • $0Trading account gains & fees
  • $169Additional noninterest income
  • $3,485Total noninterest expense
  • $2,085Salaries and employee benefits
  • $403Premises and equipment expense
  • $997Additional noninterest expense
  • $2,032Pre-tax net operating income
  • $2Securities gains (losses)
  • $572Applicable income taxes
  • $1,462Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,462Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,515Sale, conversion, retirement of capital stock, net
  • $748Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.62%Yield on earning assets
  • 4.25%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.02%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 8.71%Return on equity (ROE)
  • 4.26%Retained earnings to average equity (YTD only)
  • 1.22%Net charge-offs to loans
  • 79.87%Credit loss provision to net charge-offs
  • 2.14%Efficiency ratio
  • 51,806Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.16%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 78.80%Noncurrent assets plus other real estate owned to assets
  • 1.58%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 79.82%Net loans and leases to core deposits
  • 125.09%Equity capital to assets
  • 9.22%Core capital (leverage) ratio
  • 7.83%Tier 1 risk-based capital ratio
  • 10.71%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $191,646Average earning assets
  • $16,778Average equity
  • $172,477Average loans

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