Peoples Bank in Lebanon, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank - Overview

  • General
  • FDIC Certificate #: 1562
    Status: Active
    Federal Reserve ID: 519445
    Bank Holding Company (Regulatory Top Holder): Community Financial Of Kentucky, Inc. (RSSDID: 1928727, Location: Lebanon, KY)
    Date Established: September 16, 1910
    WWW: http://www.pboflebanon.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10019
    FDIC's unique #: 1027
    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: 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: 265 Old Springfield Road, Lebanon, KY 40033
    County: Marion
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $46.8 mil
    Equity capital: $4.3 mil
    Deposits held in domestic offices: $41.1 mil
    Return on assets (ROA): 0.33% ($0.2 mil)
    Quarterly return on assets: 0.00% ($0.0 mil)
    Return on Equity (ROE): 3.58% ($0.1 mil)
    Quarterly return on equity: 0.00% ($0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.43% ($201.2 mil)
    Quarterly Pretax return on assets: -0.04% (-$18.7 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
  • 13Total employees (full-time equivalent)
  • $46,781Total assets
  • $3,503Cash and due from depository institutions
  • $2,203Interest-bearing balances
  • $9,638Securities
  • $1,498Federal funds sold & reverse repurchase agreements
  • $29,703Net loans & leases
  • $555Loan loss allowance
  • $0Trading account assets
  • $523Bank premises and fixed assets
  • $784Other real estate owned
  • $0Goodwill and other intangibles
  • $46,781Life insurance assets
  • $1,132All other assets
  • $42,481Total liabilities and capital
  • $41,051Total liabilities
  • $35,332Total deposits
  • $41,051Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1088.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $96Trading liabilities
  • $0Other borrowed funds
  • $246Subordinated debt
  • $4,300All other liabilities
  • $4,300Total equity capital
  • $4,300Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $5,050Surplus
  • $-800Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $225Long-term assets (5+ years)
  • $43,042Average Assets, year-to-date
  • $16,168Average Assets, quarterly
  • $46,554Volatile liabilities
  • $46,525Insider loans
  • $34,969FHLB advances
  • $46,706Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,126Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,826Restructured Loans and leases
  • $1,062Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,939Total interest income
  • $346Total interest expense
  • $1,593Net interest income
  • $0Provision for loan and lease losses
  • $167Total noninterest income
  • $0Fiduciary activities
  • $153Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14Additional noninterest income
  • $1,558Total noninterest expense
  • $701Salaries and employee benefits
  • $231Premises and equipment expense
  • $626Additional noninterest expense
  • $202Pre-tax net operating income
  • $0Securities gains (losses)
  • $50Applicable income taxes
  • $152Income before extraordinary items
  • $0Extraordinary gains - net
  • $152Net income attributable to bank
  • $0Net charge-offs
  • $152Cash dividends
  • -$138Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 3.58%Return on equity (ROE)
  • 3.58%Retained earnings to average equity (YTD only)
  • -0.48%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 88,523Assets per employee
  • 3.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 1.68%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 72.36%Net loans and leases to core deposits
  • 74.25%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 8.83%Tier 1 risk-based capital ratio
  • 11.80%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $46,554Average earning assets
  • $4,241Average equity
  • $43,017Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01027Peoples Bank265 Old Springfield Road, Lebanon, KY 40033September 16, 1910Full Service Brick and Mortar
    3189822Downtown Branch107 W Main St, Lebanon, KY 40033January 25, 1999Full Service Brick and Mortar

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