Peoples Bank & Trust Company in Owenton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 8129
    Status: Active
    Federal Reserve ID: 282048
    Bank Holding Company (Regulatory Top Holder): Owenton Bancorp, Inc. (RSSDID: 1096420, Location: Owenton, KY)
    Date Established: January 01, 1902
    WWW: http://www.peoplesowenton.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 11241
    FDIC's unique #: 5177
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 101 North Main Street, Owenton, KY 40359
    County: Owen
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $70.7 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $58.9 mil
    Return on assets (ROA): 1.42% ($1.0 mil)
    Quarterly return on assets: -0.23% (-$0.2 mil)
    Return on Equity (ROE): 12.29% ($1.0 mil)
    Quarterly return on equity: -2.01% (-$0.2 mil)
    Net income: $1.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 1.42% ($1,004.4 mil)
    Quarterly Pretax return on assets: -0.23% (-$162.7 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
  • 18Total employees (full-time equivalent)
  • $70,733Total assets
  • $3,189Cash and due from depository institutions
  • $1,303Interest-bearing balances
  • $16,203Securities
  • $5,913Federal funds sold & reverse repurchase agreements
  • $39,837Net loans & leases
  • $812Loan loss allowance
  • $0Trading account assets
  • $373Bank premises and fixed assets
  • $101Other real estate owned
  • $0Goodwill and other intangibles
  • $70,733Life insurance assets
  • $5,117All other assets
  • $62,991Total liabilities and capital
  • $58,884Total liabilities
  • $49,561Total deposits
  • $58,884Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $2,107Subordinated debt
  • $7,742All other liabilities
  • $7,742Total equity capital
  • $7,742Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $4,700Surplus
  • $2,742Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,468Income earned, not collected on loans
  • $0Earning assets
  • $566Long-term assets (5+ years)
  • $63,256Average Assets, year-to-date
  • $1,775Average Assets, quarterly
  • $71,220Volatile liabilities
  • $69,992Insider loans
  • $55,376FHLB advances
  • $71,383Loans and leases held for sale
  • $3,099Unused loan commitments
  • $3,099Tier 1 (core) risk-based capital
  • $10,972Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,250Restructured Loans and leases
  • $319Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,052Total interest income
  • $863Total interest expense
  • $3,189Net interest income
  • $146Provision for loan and lease losses
  • $395Total noninterest income
  • $1Fiduciary activities
  • $274Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $2,281Total noninterest expense
  • $1,352Salaries and employee benefits
  • $174Premises and equipment expense
  • $755Additional noninterest expense
  • $1,157Pre-tax net operating income
  • -$143Securities gains (losses)
  • $0Applicable income taxes
  • $1,014Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,014Net income attributable to bank
  • $0Net charge-offs
  • $1,014Cash dividends
  • $73Sale, conversion, retirement of capital stock, net
  • $375Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.32%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 4.98%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 1.62%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 12.29%Return on equity (ROE)
  • 7.75%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 200.00%Credit loss provision to net charge-offs
  • 17.85%Efficiency ratio
  • 63,644Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.98%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 55.31%Noncurrent assets plus other real estate owned to assets
  • 20.14%Noncurrent loans to loans
  • 3.61%Net loans and leases to deposits
  • 67.65%Net loans and leases to core deposits
  • 73.14%Equity capital to assets
  • 10.95%Core capital (leverage) ratio
  • 15.37%Tier 1 risk-based capital ratio
  • 19.81%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $71,220Average earning assets
  • $8,247Average equity
  • $64,065Average 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
  • $889Managed Assets
  • 1Number of Accounts
  • $889Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $889Non-managed Assets
  • 29Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05177Peoples Bank & Trust Company101 North Main Street, Owenton, KY 40359January 01, 1902Full Service Brick and Mortar

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