Vitals
  • Total Assets
    679.3M 4.0 %
  • Total Deposits
    563.8M 6.8 %
  • Total Net Loans
    317.2M -6.8 %
  • Net Income
    659000.0000 112.9 %
  • Book Value
    90.8M 3.3 %
  • Book Value x2
    181.6M 3.3 %
  • Book Value x3
    272.5M 3.3 %
ROAA

.129

ROAE

.977

Efficiency Ratio

93.837

Net Interest Margin

3

Balance Sheet Highlights
Financial Highlights The Peoples Bank, Biloxi, Mississippi All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 679,346 523,218
Total Net Loans 317,161 343,479
Total Deposits 563,766 435,788
Total Equity 90,821 60,190
Profitability
Net Income 659 3,939
Return on Average Assets .129 .951
Return on Average Equity .977 8.67
Net Interest Margin 3 3.955
Efficiency Ratio 93.837 69.509
Noninterest Income/Revenue 23.513 22.685
Balance Sheet Ratios
Loan-to-Deposit 56.258 71.646
Securities/Assets .359 .201
Total Equity/Total Assets .134 .115
Tangible Equity/Tangible Assets .134 .103
Capital Adequacy
Tier 1 Common Capital 87,063 50,866
Tier 1 Capital 87,063 50,964
Tier 2 Capital 5,286 3,557
Total Capital 92,349 54,515
Total Risk Weighted Assets 421,181 374,913
Leverage Ratio 12.72 10.771
Common Equity Tier 1 Capital Ratio 20.67 16.444
Tier 1 Capital Ratio 20.67 16.503
Total Capital Ratio 21.93 17.544

Timeline for The Peoples Bank, Biloxi, Mississippi

Southern Federal Savings Bank

Acquisition: The Peoples Bank, Biloxi, Mississippi acquired a new subsidiary, Southern Federal Savings Bank, 32 years

View Profile Aug 17 1991

Gulf National Bank

Acquisition: The Peoples Bank, Biloxi, Mississippi acquired a new subsidiary, Gulf National Bank, 35 years

View Profile Aug 20 1988

Peoples Financial Corporation

Peoples Financial Corporation became a new parent organization for The Peoples Bank, Biloxi, Mississippi.

View Profile Sep 30 1985

The Peoples Bank, Biloxi, Mississippi

The Peoples Bank, Biloxi, Mississippi was established 128 years ago and is currently headquartered in Biloxi, MS.

Apr 13 1896
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Southern Federal Savings Bank Seller 67,748 Failure 8/17/1991
Gulf National Bank Seller 91,219 Discontinued 8/20/1988
Relationships Role Relationship Start Relationship End
Peoples Financial Corporation Parent 9/30/1985
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