Vitals
  • Total Assets
    198.7M 5.8 %
  • Total Deposits
    166.8M 5.4 %
  • Total Net Loans
    143.4M 11.4 %
  • Net Income
    1.6M 29.7 %
  • Book Value
    30.1M 6.7 %
  • Book Value x2
    60.2M 6.7 %
  • Book Value x3
    90.3M 6.7 %
ROAA

1.577

ROAE

10.42

Efficiency Ratio

50.681

Net Interest Margin

5.381

Balance Sheet Highlights
Financial Highlights Peoples Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 198,666 212,703
Total Net Loans 143,447 160,222
Total Deposits 166,793 178,001
Total Equity 30,092 21,309
Profitability
Net Income 1,554 6,567
Return on Average Assets 1.577 1.414
Return on Average Equity 10.42 13.467
Net Interest Margin 5.381 4.402
Efficiency Ratio 50.681 63.216
Noninterest Income/Revenue 8.873 8.628
Balance Sheet Ratios
Loan-to-Deposit 86.003 86.343
Securities/Assets .112 .212
Total Equity/Total Assets .151 .1
Tangible Equity/Tangible Assets .083 -.729
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 16,563 20,360
Tier 2 Capital 1,854 2,031
Total Capital 18,417 22,371
Total Risk Weighted Assets 148,221 170,733
Leverage Ratio 8.98 10.703
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.17 13.682
Total Capital Ratio 12.43 14.828

Timeline for Peoples Bank

The Heritage Bank

Peoples Bank was acquired by The Heritage Bank 16 years

View Profile Aug 17 2007

Liberty Shares, Inc.

Liberty Shares, Inc. became a new parent organization for Peoples Bank.

View Profile Jan 23 2006

Fulton Federal Savings Association

Acquisition: Peoples Bank acquired a new subsidiary, Fulton Federal Savings Association, 32 years

View Profile Jul 27 1991

Peoples Banking Corporation

Peoples Banking Corporation became a new parent organization for Peoples Bank.

View Profile Jun 01 1990

Peoples Bank

Peoples Bank was established 77 years ago and is currently headquartered in Blackshear, GA.

Jul 13 1946
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Heritage Bank Buyer 526,116 Pooling of Interests Discontinued 8/17/2007
Fulton Federal Savings Association Seller 1,256,307 Failure 7/27/1991
Relationships Role Relationship Start Relationship End
Liberty Shares, Inc. Parent 1/23/2006 8/16/2007
Peoples Banking Corporation Parent 6/1/1990 1/22/2006
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