PBI Bank in Louisville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


PBI Bank - Overview

  • General
  • FDIC Certificate #: 9314
    Status: Active
    Federal Reserve ID: 522847
    Bank Holding Company (Regulatory Top Holder): Porter Bancorp, Inc. (RSSDID: 1249712, Location: Louisville, KY)
    Date Established: March 24, 1902
    WWW: http://www.pbibank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: No)
    OTS Docket #: 12848
    FDIC's unique #: 5969
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 01, 2008
    Last Structure Change Process Date: March 03, 2008
    Last Data Update: March 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2500 Eastpoint Parkway, Louisville, KY 40223
    County: Jefferson
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $1,461.9 mil
    Equity capital: $112.4 mil
    Deposits held in domestic offices: $1,326.3 mil
    Return on assets (ROA): -5.81% (-$84.9 mil)
    Quarterly return on assets: -11.92% (-$174.3 mil)
    Return on Equity (ROE): -59.36% (-$66.5 mil)
    Quarterly return on equity: -140.59% (-$157.5 mil)
    Net income: -$94.8 mil
    Quarterly Net income: -$45.2 mil
    Pretax return on assets: -5.85% (-$85,518.4 mil)
    Quarterly Pretax return on assets: -7.26% (-$106,130.5 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, 2011)

  • Dollar figures in thousands
  • 283Total employees (full-time equivalent)
  • $1,461,853Total assets
  • $104,680Cash and due from depository institutions
  • $90,752Interest-bearing balances
  • $156,512Securities
  • $1,282Federal funds sold & reverse repurchase agreements
  • $1,093,356Net loans & leases
  • $47,877Loan loss allowance
  • $0Trading account assets
  • $21,154Bank premises and fixed assets
  • $41,449Other real estate owned
  • $2,410Goodwill and other intangibles
  • $1,461,853Life insurance assets
  • $41,010All other assets
  • $1,349,470Total liabilities and capital
  • $1,326,327Total liabilities
  • $1,215,170Total deposits
  • $1,326,327Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 1738.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,116Trading liabilities
  • $7,650Other borrowed funds
  • $6,639Subordinated debt
  • $112,383All other liabilities
  • $112,383Total equity capital
  • $112,383Total bank equity capital
  • $0Perpetual preferred stock
  • $3,015Common stock
  • $134,907Surplus
  • $-25,539Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $694Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $68,895Income earned, not collected on loans
  • $714Earning assets
  • $6,752Long-term assets (5+ years)
  • $1,341,902Average Assets, year-to-date
  • $272,985Average Assets, quarterly
  • $1,632,219Volatile liabilities
  • $1,518,073Insider loans
  • $1,103,926FHLB advances
  • $1,557,314Loans and leases held for sale
  • $8,106Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $106,327Tier 2 risk-based capital
  • $8,106Total risk weighted assets
  • $0Total unused commitments
  • $76,669Restructured Loans and leases
  • $1,376Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $73,959Total interest income
  • $21,527Total interest expense
  • $52,432Net interest income
  • $53,800Provision for loan and lease losses
  • -$2,201Total noninterest income
  • $993Fiduciary activities
  • $2,609Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$5,803Additional noninterest income
  • $93,005Total noninterest expense
  • $13,262Salaries and employee benefits
  • $3,656Premises and equipment expense
  • $76,087Additional noninterest expense
  • -$96,574Pre-tax net operating income
  • $1,108Securities gains (losses)
  • -$686Applicable income taxes
  • -$94,780Income before extraordinary items
  • $0Extraordinary gains - net
  • -$94,780Net income attributable to bank
  • $0Net charge-offs
  • -$94,780Cash dividends
  • $40,208Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 3.57%Net interest margin
  • -0.15%Noninterest income to earning assets
  • 6.34%Noninterest expense to earning assets
  • -5.87%Net operating income to assets
  • -5.81%Return on assets (ROA)
  • -5.85%Pretax return on assets
  • -59.36%Return on equity (ROE)
  • -59.36%Retained earnings to average equity (YTD only)
  • 3.25%Net charge-offs to loans
  • 133.80%Credit loss provision to net charge-offs
  • -1.06%Efficiency ratio
  • 138,630Assets per employee
  • 5.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.20%Loss allowance to noncurrent loans
  • 69.49%Noncurrent assets plus other real estate owned to assets
  • 7.55%Noncurrent loans to loans
  • 6.04%Net loans and leases to deposits
  • 82.43%Net loans and leases to core deposits
  • 105.21%Equity capital to assets
  • 7.69%Core capital (leverage) ratio
  • 6.83%Tier 1 risk-based capital ratio
  • 9.63%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,632,219Average earning assets
  • $159,672Average equity
  • $1,467,548Average 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
  • $540,316Managed Assets
  • 1Number of Accounts
  • $60,750Personal trust and agency accounts
  • $21,548Employee benefit-defined contribution accounts
  • $255Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $15,448Corporate trust and agency accounts
  • $12Investment management agency accounts
  • $22,113Other fiduciary accounts
  • $1,374Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 268Number of Accounts
  • $0Personal trust and agency accounts
  • $15,448Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $479,566Other retirement accounts
  • $8,533Corporate trust and agency accounts
  • $468,470Other fiduciary accounts
  • $1,688Fiduciary accounts held in foreign offices

List of branches

  • 19 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05969Pbi Bank2500 Eastpoint Parkway, Louisville, KY 40223March 24, 1902Full Service Brick and Mortar
    1357947Pleasureville Branch5440 Castle Highway, Pleasureville, KY 40057July 16, 2001Full Service Brick and Mortar
    2181446Eminence Branch645 Elm Street, Eminence, KY 40019September 24, 1997Full Service Brick and Mortar
    3229Glasgow Branch1006 West Main Street, Glasgow, KY 42141October 02, 1902Full Service Brick and Mortar
    8238891Munfordville Branch949 South Dixie Highway, Munfordville, KY 42765April 18, 1988Full Service Brick and Mortar
    9238892Horse Cave Branch201 East Main Street, Horse Cave, KY 42749November 19, 1990Full Service Brick and Mortar
    105598Morgantown Branch112 West Gl Smith Street, Morgantown, KY 42261January 01, 1898Full Service Brick and Mortar
    136190Bullitt County Bank Branch340 S Buckman Street, Shepherdsville, KY 40165January 01, 1889Full Service Brick and Mortar
    14208240North Bullitt Branch6980 Preston Highway North, Hillview, KY 40129December 30, 1976Full Service Brick and Mortar
    161253Brownsville Deposit Bank Branch113 East Crossmain Street, Brownsville, KY 42210September 01, 1899Full Service Brick and Mortar
    17451198Greensburg Branch202-204 North Main Street, Greensburg, KY 42743April 01, 2006Full Service Brick and Mortar
    18467432Www.Ascenciabank.com Branch2500 Eastpoint Parkway, Louisville, KY 40223August 01, 2006Full Service Cyber
    20226365Northside Branch1300 North Main Street, Beaver Dam, KY 42320March 11, 1983Full Service Brick and Mortar
    21226366Owensboro Branch1819 Frederica Street, Owensboro, KY 42301May 12, 1997Full Service Brick and Mortar
    22358949Fairview Avenue Office1042 Fairview Avenue, Bowling Green, KY 42101October 18, 2000Full Service Brick and Mortar
    23360847Wal-Mart Supercenter Branch1701 North Main Street, Beaver Dam, KY 42320October 25, 2000Full Service Brick and Mortar
    24443292Campbell Lane Office Branch751 Campbell Lane, Bowling Green, KY 42104May 16, 2005Full Service Brick and Mortar
    264657882424 Harrodsburg Road Branch2424 Harrodsburg Road, Suite 100, Lexington, KY 40503July 20, 2007Full Service Brick and Mortar
    28492981Conestoga Branch155 Conestoga Parkway, Shepherdsville, KY 40165July 01, 2008Full Service Brick and Mortar

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