PBK BANK, INC. in city_name, state_name - Detailed Financial Reports, Location

PBK BANK, INC. in Stanford, Kentucky (KY)
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PBK BANK, INC. routing number info

PBK BANK, INC. - Overview

General
FDIC Certificate #: 9313
Status: Active
Federal Reserve ID: 148715
Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 1134283, Location: Stanford, KY)
Date Established: January 01, 1906
WWW: http://www.pbkbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 9854
FDIC's unique #: 5968
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 120 Frontier Boulevard, Stanford, KY 40484
County: Lincoln
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
Core Based Statistical Area (CBSA): Danville, KY (#19220)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $113.8 mil
Equity capital: $10.9 mil
Deposits held in domestic offices: $98.0 mil
Return on assets (ROA): 0.43% ($0.5 mil)
Quarterly return on assets: 0.65% ($0.7 mil)
Return on Equity (ROE): 4.76% ($0.5 mil)
Quarterly return on equity: 6.79% ($0.7 mil)
Net income: $0.5 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.66% ($750.8 mil)
Quarterly Pretax return on assets: 0.98% ($1,114.9 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
39Total employees (full-time equivalent)
$113,765Total assets
$9,259Cash and due from depository institutions
$5,810Interest-bearing balances
$30,066Securities
$3,943Federal funds sold & reverse repurchase agreements
$60,556Net loans & leases
$1,441Loan loss allowance
$0Trading account assets
$2,957Bank premises and fixed assets
$3,798Other real estate owned
$0Goodwill and other intangibles
$113,764Life insurance assets
$3,186All other assets
$102,827Total liabilities and capital
$98,010Total liabilities
$86,371Total deposits
$98,010Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,500Trading liabilities
$0Other borrowed funds
$317Subordinated debt
$10,937All other liabilities
$10,937Total equity capital
$10,937Total bank equity capital
$0Perpetual preferred stock
$240Common stock
$9,256Surplus
$1,441Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,589Income earned, not collected on loans
$0Earning assets
$616Long-term assets (5+ years)
$100,375Average Assets, year-to-date
$54,617Average Assets, quarterly
$114,509Volatile liabilities
$113,712Insider loans
$60,756FHLB advances
$114,318Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,295Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,320Restructured Loans and leases
$771Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,110Total interest income
$1,361Total interest expense
$3,749Net interest income
$125Provision for loan and lease losses
$1,508Total noninterest income
$0Fiduciary activities
$906Service charges on deposit accounts
$0Trading account gains & fees
$602Additional noninterest income
$4,378Total noninterest expense
$1,668Salaries and employee benefits
$475Premises and equipment expense
$2,235Additional noninterest expense
$754Pre-tax net operating income
$0Securities gains (losses)
$257Applicable income taxes
$497Income before extraordinary items
$0Extraordinary gains - net
$497Net income attributable to bank
$0Net charge-offs
$497Cash dividends
$75Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.06%Yield on earning assets
1.35%Cost of funding earning assets
3.71%Net interest margin
1.49%Noninterest income to earning assets
4.34%Noninterest expense to earning assets
0.43%Net operating income to assets
0.43%Return on assets (ROA)
0.66%Pretax return on assets
4.76%Return on equity (ROE)
4.76%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
166.67%Credit loss provision to net charge-offs
11.72%Efficiency ratio
83,279Assets per employee
2.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.32%Loss allowance to noncurrent loans
90.69%Noncurrent assets plus other real estate owned to assets
5.08%Noncurrent loans to loans
2.56%Net loans and leases to deposits
61.79%Net loans and leases to core deposits
61.97%Equity capital to assets
9.61%Core capital (leverage) ratio
9.01%Tier 1 risk-based capital ratio
16.94%Total risk-based capital ratio
Memoranda
$18Average assets
$114,509Average earning assets
$10,435Average equity
$100,974Average loans

List of branches

6 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5968	Pbk Bank, Inc.	120 Frontier Boulevard, Stanford, KY 40484	January 01, 1906	Full Service Brick and Mortar
1	219878	Stanford Branch	1100 U.S. Highway 27 South, Stanford, KY 40484	March 12, 1979	Full Service Brick and Mortar
3	219880	Hustonville Branch	Bradfordsville Road, Hustonville, KY 40437	Febuary 17, 1997	Full Service Brick and Mortar
4	219881	Danville Branch	1001 Hustonville Road, Danville, KY 40422	October 13, 1998	Full Service Brick and Mortar
5	358624	Junction City Branch	54 Henry Street, Junction City, KY 40440	June 30, 2000	Full Service Brick and Mortar
6	466375	Mount Vernon Office Branch	810 West Main St, Mount Vernon, KY 40456	November 06, 2006	Full Service Brick and Mortar

PBK BANK, INC. in Stanford, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

PBK BANK, INC. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

PBK BANK, INC. in Stanford, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

PBK BANK, INC. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

PBK BANK, INC. in Stanford, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches