Vitals
  • Total Assets
    325.3M 0.8 %
  • Total Deposits
    302.3M 1.2 %
  • Total Net Loans
    203.0M -8.5 %
  • Net Income
    -227000.0000 97.5 %
  • Book Value
    18.4M -2.9 %
  • Book Value x2
    36.8M -2.9 %
  • Book Value x3
    55.2M -2.9 %
ROAA

-.069

ROAE

-1.13

Efficiency Ratio

86.455

Net Interest Margin

3.938

Balance Sheet Highlights
Financial Highlights Persons Banking Company All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 325,302 256,123
Total Net Loans 202,996 160,108
Total Deposits 302,254 221,413
Total Equity 18,416 27,434
Profitability
Net Income -227 2,812
Return on Average Assets -.069 .99
Return on Average Equity -1.13 8.811
Net Interest Margin 3.938 4.031
Efficiency Ratio 86.455 72.067
Noninterest Income/Revenue 17.267 19.316
Balance Sheet Ratios
Loan-to-Deposit 67.161 70.662
Securities/Assets .189 .165
Total Equity/Total Assets .057 .107
Tangible Equity/Tangible Assets .057 .105
Capital Adequacy
Tier 1 Common Capital 19,666 26,376
Tier 1 Capital 19,666 26,452
Tier 2 Capital 2,636 1,919
Total Capital 22,302 28,453
Total Risk Weighted Assets 210,640 174,280
Leverage Ratio 5.93 10.62
Common Equity Tier 1 Capital Ratio 9.34 16.191
Tier 1 Capital Ratio 9.34 16.286
Total Capital Ratio 10.59 17.433

Timeline for Persons Banking Company

Spivey State Bank

Acquisition: Persons Banking Company acquired a new subsidiary, Spivey State Bank, 9 years

View Profile Feb 07 2015

The Peoples Bank

Acquisition: Persons Banking Company acquired a new subsidiary, The Peoples Bank, 9 years

View Profile Feb 07 2015

The Bank Of Perry

Acquisition: Persons Banking Company acquired a new subsidiary, The Bank Of Perry, 9 years

View Profile Feb 07 2015

Persons Banking Co., Inc.

Persons Banking Co., Inc. became a new parent organization for Persons Banking Company.

View Profile Dec 01 1980

Persons Banking Company

Persons Banking Company was established 114 years ago and is currently headquartered in Forsyth, GA.

Jan 01 1910
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Spivey State Bank Seller 88,281 Pooling of Interests Discontinued 2/7/2015
The Peoples Bank Seller 94,675 Pooling of Interests Discontinued 2/7/2015
The Bank Of Perry Seller 116,432 Pooling of Interests Discontinued 2/7/2015
Relationships Role Relationship Start Relationship End
Persons Banking Co., Inc. Parent 5/31/2001
Persons Banking Co., Inc. Parent 12/1/1980 8/31/1988
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