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

Peoples Bank & Trust Company of Hazard - Overview

  • General
  • FDIC Certificate #: 8117
    Status: Active
    Federal Reserve ID: 814711
    Bank Holding Company (Regulatory Top Holder): Hazard Bancorp (RSSDID: 1357082, Location: Hazard, KY)
    Date Established: March 19, 1923
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 10834
    FDIC's unique #: 5166
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 19, 2009
    Last Structure Change Process Date: June 25, 2009
    Last Data Update: June 25, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 524 Main Street, Hazard, KY 41701
    County: Perry
    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
  • History of Changes
  • Institution Becomes a Member of FRS (Federal Reserve System)
    Change in Location
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $287.1 mil
    Equity capital: $26.4 mil
    Deposits held in domestic offices: $250.1 mil
    Return on assets (ROA): 0.91% ($2.6 mil)
    Quarterly return on assets: 0.78% ($2.2 mil)
    Return on Equity (ROE): 10.01% ($2.6 mil)
    Quarterly return on equity: 8.39% ($2.2 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.91% ($2,612.7 mil)
    Quarterly Pretax return on assets: 0.78% ($2,239.5 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
  • 81Total employees (full-time equivalent)
  • $287,115Total assets
  • $34,316Cash and due from depository institutions
  • $24,553Interest-bearing balances
  • $17,850Securities
  • $2,000Federal funds sold & reverse repurchase agreements
  • $212,917Net loans & leases
  • $1,825Loan loss allowance
  • $0Trading account assets
  • $6,348Bank premises and fixed assets
  • $1,704Other real estate owned
  • $1,645Goodwill and other intangibles
  • $287,115Life insurance assets
  • $10,335All other assets
  • $260,739Total liabilities and capital
  • $250,112Total liabilities
  • $204,719Total deposits
  • $250,112Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,140Trading liabilities
  • $0Other borrowed funds
  • $487Subordinated debt
  • $26,376All other liabilities
  • $26,376Total equity capital
  • $26,376Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $23,700Surplus
  • $2,176Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,443Income earned, not collected on loans
  • $0Earning assets
  • $1,158Long-term assets (5+ years)
  • $257,320Average Assets, year-to-date
  • $120,002Average Assets, quarterly
  • $285,122Volatile liabilities
  • $285,240Insider loans
  • $205,018FHLB advances
  • $284,053Loans and leases held for sale
  • $6,139Unused loan commitments
  • $6,139Tier 1 (core) risk-based capital
  • $24,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,538Restructured Loans and leases
  • $9,088Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,733Total interest income
  • $3,265Total interest expense
  • $10,468Net interest income
  • $761Provision for loan and lease losses
  • $1,629Total noninterest income
  • $41Fiduciary activities
  • $983Service charges on deposit accounts
  • $0Trading account gains & fees
  • $605Additional noninterest income
  • $8,733Total noninterest expense
  • $4,041Salaries and employee benefits
  • $2,436Premises and equipment expense
  • $2,256Additional noninterest expense
  • $2,603Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,603Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,603Net income attributable to bank
  • $0Net charge-offs
  • $2,603Cash dividends
  • $878Sale, conversion, retirement of capital stock, net
  • $2,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.35%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 10.01%Return on equity (ROE)
  • 2.13%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 86.67%Credit loss provision to net charge-offs
  • 3.83%Efficiency ratio
  • 72,191Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.76%Loss allowance to loans
  • 0.85%Loss allowance to noncurrent loans
  • 53.01%Noncurrent assets plus other real estate owned to assets
  • 1.79%Noncurrent loans to loans
  • 1.60%Net loans and leases to deposits
  • 85.13%Net loans and leases to core deposits
  • 91.39%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 11.97%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $285,122Average earning assets
  • $25,999Average equity
  • $256,720Average 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
  • $26,547Managed Assets
  • 1Number of Accounts
  • $4,614Personal trust and agency accounts
  • $4,584Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $30Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 31Number of Accounts
  • $0Personal trust and agency accounts
  • $30Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $21,933Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05166Peoples Bank & Trust Company Of Haza524 Main Street, Hazard, KY 41701March 19, 1923Full Service Brick and Mortar
    1217941East Main Street Branch405 East Main Street, Hazard, KY 41701May 22, 1974Full Service Brick and Mortar
    2217942Airport Gardens BranchR. R. 3, Hazard, KY 41701September 22, 1978Full Service Brick and Mortar
    3217943Vicco BranchMain And Montgomery Streets, Vicco, KY 41773July 05, 1979Full Service Brick and Mortar
    4217944Daniel Boone Branch2 Rockwood Lane, Hazard, KY 41701April 20, 1987Full Service Brick and Mortar
    5419936Peoples Express Bank & Merchant Cent131 Citizens Lane, Hazard, KY 41702June 30, 2003Full Service Cyber
    6430218Wal-Mart BranchDaniel Boone Plaza, Hazard, KY 41701April 15, 2004Full Service Brick and Mortar

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