FDIC Certificate #: 12144 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:PBI Bank (#9314) Federal Reserve ID: 695545 Date Established: Febuary 21, 1890 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 6 (Interstate: No) FDIC's unique #: 7715 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: October 01, 2007 Last Structure Change Process Date: October 04, 2007 Last Data Update: October 04, 2007 Data Source Date: April 05, 2012
Location
Address: 200 North Main Street, Beaver Dam, KY 42320 County: Ohio Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Hopkinsville Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $111.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
55Total employees (full-time equivalent)
$120,464Total assets
$4,193Cash and due from depository institutions
$605Interest-bearing balances
$14,979Securities
$1,742Federal funds sold & reverse repurchase agreements
$91,606Net loans & leases
$1,167Loan loss allowance
$0Trading account assets
$3,772Bank premises and fixed assets
$31Other real estate owned
$0Goodwill and other intangibles
$2,145Life insurance assets
$4,141All other assets
$120,464Total liabilities and capital
$111,635Total liabilities
$103,901Total deposits
$88,173Interest-bearing deposits
$103,901Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,744Other borrowed funds
$0Subordinated debt
$990All other liabilities
$8,829Total equity capital
$8,829Total bank equity capital
$8,829Perpetual preferred stock
$0Common stock
$155Surplus
$6,968Undivided profits
Memoranda
$1,706Noncurrent loans and leases
$11,702Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$44Earning assets
$0Long-term assets (5+ years)
$827Average Assets, year-to-date
$108,932Average Assets, quarterly
$18,190Volatile liabilities
$114,291Insider loans
$119,757FHLB advances
$21,869Loans and leases held for sale
$1,560Unused loan commitments
$6,744Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$11,702Total unused commitments
$0Restructured Loans and leases
$1,112Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$7,726Total interest income
$3,451Total interest expense
$4,275Net interest income
$177Provision for loan and lease losses
$2,130Total noninterest income
$692Fiduciary activities
$805Service charges on deposit accounts
$0Trading account gains & fees
$633Additional noninterest income
$5,613Total noninterest expense
$3,067Salaries and employee benefits
$745Premises and equipment expense
$1,801Additional noninterest expense
$615Pre-tax net operating income
-$10Securities gains (losses)
$186Applicable income taxes
$419Income before extraordinary items
$0Extraordinary gains - net
$419Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$123Sale, conversion, retirement of capital stock, net
$421Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.42%Yield on earning assets
3.32%Cost of funding earning assets
4.11%Net interest margin
2.05%Noninterest income to earning assets
5.39%Noninterest expense to earning assets
0.37%Net operating income to assets
0.37%Return on assets (ROA)
0.53%Pretax return on assets
4.84%Return on equity (ROE)
-0.02%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
143.90%Credit loss provision to net charge-offs
6.44%Efficiency ratio
87,635Assets per employee
2.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
100.48%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
2652.27%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.05%Net loans and leases to deposits
88.17%Net loans and leases to core deposits
111.40%Equity capital to assets
7.33%Core capital (leverage) ratio
7.57%Tier 1 risk-based capital ratio
10.15%Total risk-based capital ratio
Memoranda
$11Average assets
$114,291Average earning assets
$8,655Average equity
$104,101Average loans
Total Fiduciary and Related Assets (December 31, 2006)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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