First & Peoples Bank and Trust Company in city_name, state_name

First & Peoples Bank and Trust Company in Russell, Kentucky (KY)
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First & Peoples Bank and Trust Company routing number info

First & Peoples Bank and Trust Company - Overview

General
FDIC Certificate #: 8122
Status: Active
Federal Reserve ID: 391418
Bank Holding Company (Regulatory Top Holder): First & Peoples Bancshares, Inc. (RSSDID: 1363935, Location: Russell, KY)
Date Established: Febuary 28, 1932
WWW: http://www.firstandpeoplesbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 5171
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 25, 2010
Last Structure Change Process Date: March 30, 2010
Last Data Update: March 30, 2010
Data Source Date: April 05, 2012
Location
Address: 1001 Deidrich Boulevard, Russell, KY 41169
County: Greenup
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Lexington
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Huntington-Ashland, WV-KY-OH (#3400)
Core Based Statistical Area (CBSA): Huntington-Ashland, WV-KY-OH (#26580)
CBSA Metro Statistical Area: Huntington-Ashland, WV-KY-OH (#26580)
History of Changes
Change in Location
Name Change
Financial Summary
Total assets: $195.4 mil
Equity capital: $35.0 mil
Deposits held in domestic offices: $158.8 mil
Return on assets (ROA): 0.28% ($0.5 mil)
Quarterly return on assets: 0.58% ($1.1 mil)
Return on Equity (ROE): 1.56% ($0.5 mil)
Quarterly return on equity: 3.23% ($1.1 mil)
Net income: $0.5 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.31% ($605.9 mil)
Quarterly Pretax return on assets: 0.58% ($1,133.6 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, 2011)

Dollar figures in thousands
72Total employees (full-time equivalent)
$195,440Total assets
$9,281Cash and due from depository institutions
$3,662Interest-bearing balances
$107,712Securities
$129Federal funds sold & reverse repurchase agreements
$72,626Net loans & leases
$1,880Loan loss allowance
$0Trading account assets
$2,402Bank premises and fixed assets
$66Other real estate owned
$0Goodwill and other intangibles
$195,440Life insurance assets
$3,224All other assets
$160,436Total liabilities and capital
$158,783Total liabilities
$129,492Total deposits
$158,783Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,653Subordinated debt
$35,004All other liabilities
$35,004Total equity capital
$35,004Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$6,000Surplus
$28,604Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,260Income earned, not collected on loans
$0Earning assets
$803Long-term assets (5+ years)
$184,129Average Assets, year-to-date
$142,884Average Assets, quarterly
$193,292Volatile liabilities
$194,944Insider loans
$87,379FHLB advances
$196,435Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$36,442Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,039Restructured Loans and leases
$1,737Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,645Total interest income
$797Total interest expense
$6,848Net interest income
$266Provision for loan and lease losses
$915Total noninterest income
$224Fiduciary activities
$495Service charges on deposit accounts
$0Trading account gains & fees
$196Additional noninterest income
$6,977Total noninterest expense
$4,199Salaries and employee benefits
$885Premises and equipment expense
$1,893Additional noninterest expense
$520Pre-tax net operating income
$71Securities gains (losses)
$58Applicable income taxes
$533Income before extraordinary items
$0Extraordinary gains - net
$533Net income attributable to bank
$0Net charge-offs
$533Cash dividends
$1,136Sale, conversion, retirement of capital stock, net
$329Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.22%Yield on earning assets
0.44%Cost of funding earning assets
3.78%Net interest margin
0.51%Noninterest income to earning assets
3.85%Noninterest expense to earning assets
0.24%Net operating income to assets
0.28%Return on assets (ROA)
0.31%Pretax return on assets
1.56%Return on equity (ROE)
0.60%Retained earnings to average equity (YTD only)
1.43%Net charge-offs to loans
23.42%Credit loss provision to net charge-offs
0.69%Efficiency ratio
89,875Assets per employee
2.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.73%Loss allowance to loans
2.52%Loss allowance to noncurrent loans
44.13%Noncurrent assets plus other real estate owned to assets
2.21%Noncurrent loans to loans
5.72%Net loans and leases to deposits
45.74%Net loans and leases to core deposits
48.16%Equity capital to assets
17.91%Core capital (leverage) ratio
18.55%Tier 1 risk-based capital ratio
41.71%Total risk-based capital ratio
Memoranda
$43Average assets
$193,292Average earning assets
$34,128Average equity
$181,095Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$31,053Managed Assets
1Number of Accounts
$30,038Personal trust and agency accounts
$4,297Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$12,032Corporate trust and agency accounts
$321Investment management agency accounts
$13,388Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
492Number of Accounts
$0Personal trust and agency accounts
$12,032Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,015Other retirement accounts
$2Corporate trust and agency accounts
$0Other fiduciary accounts
$342Fiduciary accounts held in foreign offices

List of branches

6 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5171	First & Peoples Bank And Trust Compa	1001 Deidrich Boulevard, Russell, KY 41169	Febuary 28, 1932	Full Service Brick and Mortar
1	217956	Flatwoods Branch	Argilite Road, Flatwoods, KY 41139	December 21, 1964	Full Service Brick and Mortar
2	217957	Greenup Branch	Main Street, Greenup, KY 41144	Febuary 11, 1935	Full Service Brick and Mortar
3	217958	South Shore Branch	800 Main Street, South Shore, KY 41175	September 20, 1957	Full Service Brick and Mortar
4	217959	Ashland Plaza Branch	Ashland Plaza Shopping Center, Russell, KY 41169	January 22, 1970	Full Service Brick and Mortar
5	217960	Ferry Street Branch	400 Ferry Street, Russell, KY 41169	October 17, 1983	Full Service Brick and Mortar

First & Peoples Bank and Trust Company in Russell, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First & Peoples Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First & Peoples Bank and Trust Company in Russell, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First & Peoples Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First & Peoples Bank and Trust Company in Russell, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches