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


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
  • NoIDNameAddressEstablishedService TypeMap
    05968Pbk Bank, Inc.120 Frontier Boulevard, Stanford, KY 40484January 01, 1906Full Service Brick and Mortar
    1219878Stanford Branch1100 U.S. Highway 27 South, Stanford, KY 40484March 12, 1979Full Service Brick and Mortar
    3219880Hustonville BranchBradfordsville Road, Hustonville, KY 40437Febuary 17, 1997Full Service Brick and Mortar
    4219881Danville Branch1001 Hustonville Road, Danville, KY 40422October 13, 1998Full Service Brick and Mortar
    5358624Junction City Branch54 Henry Street, Junction City, KY 40440June 30, 2000Full Service Brick and Mortar
    6466375Mount Vernon Office Branch810 West Main St, Mount Vernon, KY 40456November 06, 2006Full Service Brick and Mortar

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