Peoples Bank & Trust Company in North Carrollton, Mississippi (MS)
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 7 |
| Total assets | $57,631 |
| Cash and due from depository institutions | $2,328 |
| Interest-bearing balances | $1,470 |
| Securities | $33,671 |
| Federal funds sold & reverse repurchase agreements | $6,378 |
| Net loans & leases | $14,593 |
| Loan loss allowance | $327 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $133 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $528 |
| Life insurance assets | $57,631 |
| Total liabilities and capital | $49,900 |
| Total liabilities | $49,573 |
| Total deposits | $44,058 |
| Interest-bearing deposits | $49,573 |
| Deposits held in domestic offices | $92 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $327 |
| All other liabilities | $7,731 |
| Total equity capital | $7,731 |
| Total bank equity capital | $7,731 |
| Perpetual preferred stock | $0 |
| Common stock | $100 |
| Surplus | $7,410 |
| Undivided profits | $221 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $18 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $355 |
| Average Assets, year-to-date | $56,112 |
| Average Assets, quarterly | $30,669 |
| Volatile liabilities | $56,426 |
| Insider loans | $57,362 |
| FHLB advances | $20,513 |
| Loans and leases held for sale | $56,798 |
| Unused loan commitments | $24 |
| Tier 1 (core) risk-based capital | $24 |
| Tier 2 risk-based capital | $7,731 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $0 |
| Derivatives | $99 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,111 |
| Total interest expense | $611 |
| Net interest income | $1,500 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $143 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $95 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $48 |
| Total noninterest expense | $819 |
| Salaries and employee benefits | $439 |
| Premises and equipment expense | $76 |
| Additional noninterest expense | $304 |
| Pre-tax net operating income | $824 |
| Securities gains (losses) | $35 |
| Applicable income taxes | $233 |
| Income before extraordinary items | $626 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $626 |
| Net charge-offs | $0 |
| Cash dividends | $626 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $180 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.84% |
| Cost of funding earning assets | 1.11% |
| Net interest margin | 2.73% |
| Noninterest income to earning assets | 0.26% |
| Noninterest expense to earning assets | 1.49% |
| Net operating income to assets | 1.06% |
| Return on assets (ROA) | 1.11% |
| Pretax return on assets | 1.52% |
| Return on equity (ROE) | 8.26% |
| Retained earnings to average equity (YTD only) | 5.89% |
| Net charge-offs to loans | 0.00% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 0.00% |
| Assets per employee | $49,848 |
| Cash dividends to net income (YTD only) | 8.23% |
| Condition Ratios (%) | |
| Loss allowance to loans | 28.75% |
| Loss allowance to noncurrent loans | 2.19% |
| Noncurrent assets plus other real estate owned to assets | 1816.67% |
| Noncurrent loans to loans | 0.03% |
| Net loans and leases to deposits | 0.12% |
| Net loans and leases to core deposits | 29.44% |
| Equity capital to assets | 33.64% |
| Core capital (leverage) ratio | 13.41% |
| Tier 1 risk-based capital ratio | 13.61% |
| Total risk-based capital ratio | 37.69% |
| Memoranda | |
| Average assets | $39 |
| Average earning assets | $56,426 |
| Average equity | $7,577 |
| Average loans | $54,969 |
| 2 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7919 | Peoples Bank & Trust Company | 106 E Main St, North Carrollton, MS 38947 | January 01, 1918 | Full Service Brick and Mortar |  |
| 1 | 227127 | Carrollton Branch | 107 Lexington Street, Carrollton, MS 38917 | June 08, 1936 | Full Service Brick and Mortar |  |
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