FDIC Certificate #: 9674 Status: Inactive Closing history: Corrections Acquiring institution:PBI Bank (#9314) Federal Reserve ID: 191944 Date Established: January 01, 1889 WWW:http://www.bullittcountybank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 9402 FDIC's unique #: 6190 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 01, 2006 Last Structure Change Process Date: January 12, 2006 Last Data Update: January 12, 2006 Data Source Date: April 05, 2012
Location
Address: 201 Buckman Street, Shepherdsville, KY 40165 County: Bullitt Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Elizabethtown Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520) Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350) Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140) CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $170.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
34Total employees (full-time equivalent)
$170,532Total assets
$4,677Cash and due from depository institutions
$1,512Interest-bearing balances
$6,992Securities
$221Federal funds sold & reverse repurchase agreements
$152,647Net loans & leases
$1,967Loan loss allowance
$0Trading account assets
$1,903Bank premises and fixed assets
$1,150Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,942All other assets
$170,532Total liabilities and capital
$154,817Total liabilities
$135,488Total deposits
$116,797Interest-bearing deposits
$135,488Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$18,339Other borrowed funds
$0Subordinated debt
$990All other liabilities
$15,715Total equity capital
$15,715Total bank equity capital
$15,715Perpetual preferred stock
$0Common stock
$200Surplus
$9,800Undivided profits
Memoranda
$5,715Noncurrent loans and leases
$22,555Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,856Earning assets
$0Long-term assets (5+ years)
$779Average Assets, year-to-date
$161,372Average Assets, quarterly
$16,042Volatile liabilities
$166,779Insider loans
$172,292FHLB advances
$23,417Loans and leases held for sale
$931Unused loan commitments
$18,339Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$22,555Total unused commitments
$0Restructured Loans and leases
$1,844Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$11,744Total interest income
$3,723Total interest expense
$8,021Net interest income
$1,200Provision for loan and lease losses
$960Total noninterest income
$0Fiduciary activities
$772Service charges on deposit accounts
$0Trading account gains & fees
$188Additional noninterest income
$3,361Total noninterest expense
$1,425Salaries and employee benefits
$319Premises and equipment expense
$1,617Additional noninterest expense
$4,420Pre-tax net operating income
$8Securities gains (losses)
$1,487Applicable income taxes
$2,941Income before extraordinary items
$0Extraordinary gains - net
$2,941Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$937Sale, conversion, retirement of capital stock, net
$1,800Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.49%Yield on earning assets
2.37%Cost of funding earning assets
5.11%Net interest margin
0.61%Noninterest income to earning assets
2.14%Noninterest expense to earning assets
1.76%Net operating income to assets
1.76%Return on assets (ROA)
2.66%Pretax return on assets
19.34%Return on equity (ROE)
7.50%Retained earnings to average equity (YTD only)
0.64%Net charge-offs to loans
128.07%Credit loss provision to net charge-offs
6.00%Efficiency ratio
37,423Assets per employee
5.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.20%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
105.98%Noncurrent assets plus other real estate owned to assets
1.76%Noncurrent loans to loans
1.20%Net loans and leases to deposits
112.66%Net loans and leases to core deposits
134.74%Equity capital to assets
9.22%Core capital (leverage) ratio
9.05%Tier 1 risk-based capital ratio
10.73%Total risk-based capital ratio
Memoranda
$12Average assets
$166,779Average earning assets
$15,203Average equity
$156,821Average loans
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