FDIC Certificate #: 170 Status: Active Federal Reserve ID: 272030 Date Established: January 01, 1891 WWW:http://www.thepbot.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 135 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 26 West Monroe Street, Talbotton, GA 31827 County: Talbot 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $33.4 mil Equity capital: $4.2 mil Deposits held in domestic offices: $29.2 mil Return on assets (ROA): 0.55% ($0.2 mil) Quarterly return on assets: -0.64% (-$0.2 mil) Return on Equity (ROE): 4.68% ($0.2 mil) Quarterly return on equity: -4.86% (-$0.2 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.57% ($190.2 mil) Quarterly Pretax return on assets: -1.02% (-$340.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$33,372Total assets
$3,784Cash and due from depository institutions
$2,206Interest-bearing balances
$12,777Securities
$2,000Federal funds sold & reverse repurchase agreements
$13,776Net loans & leases
$302Loan loss allowance
$0Trading account assets
$405Bank premises and fixed assets
$261Other real estate owned
$0Goodwill and other intangibles
$33,372Life insurance assets
$369All other assets
$29,204Total liabilities and capital
$29,165Total liabilities
$24,712Total deposits
$29,165Interest-bearing deposits
$77Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$39Subordinated debt
$4,168All other liabilities
$4,168Total equity capital
$4,168Total bank equity capital
$890Perpetual preferred stock
$75Common stock
$2,635Surplus
$568Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$370Income earned, not collected on loans
$0Earning assets
$146Long-term assets (5+ years)
$30,759Average Assets, year-to-date
$10,275Average Assets, quarterly
$30,435Volatile liabilities
$32,018Insider loans
$19,030FHLB advances
$31,025Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,908Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$356Restructured Loans and leases
$5Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,380Total interest income
$256Total interest expense
$1,124Net interest income
$50Provision for loan and lease losses
$55Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
-$15Additional noninterest income
$1,055Total noninterest expense
$458Salaries and employee benefits
$64Premises and equipment expense
$533Additional noninterest expense
$74Pre-tax net operating income
$101Securities gains (losses)
$9Applicable income taxes
$166Income before extraordinary items
$0Extraordinary gains - net
$166Net income attributable to bank
$0Net charge-offs
$166Cash dividends
$29Sale, conversion, retirement of capital stock, net
$3Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
0.94%Cost of funding earning assets
4.11%Net interest margin
0.20%Noninterest income to earning assets
3.86%Noninterest expense to earning assets
0.23%Net operating income to assets
0.55%Return on assets (ROA)
0.57%Pretax return on assets
4.68%Return on equity (ROE)
4.60%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
172.41%Credit loss provision to net charge-offs
4.28%Efficiency ratio
89,483Assets per employee
4.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
1.81%Loss allowance to loans
2.15%Loss allowance to noncurrent loans
81.62%Noncurrent assets plus other real estate owned to assets
1.89%Noncurrent loans to loans
2.63%Net loans and leases to deposits
47.23%Net loans and leases to core deposits
50.59%Equity capital to assets
12.49%Core capital (leverage) ratio
12.60%Tier 1 risk-based capital ratio
20.54%Total risk-based capital ratio
Memoranda
$22Average assets
$30,435Average earning assets
$3,545Average equity
$27,347Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
135
The Peoples Bank Of Talbotton
26 West Monroe Street, Talbotton, GA 31827
January 01, 1891
Full Service Brick and Mortar
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