Peoples Bank & Trust Company of Hazard in Hazard, Kentucky (KY)



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Peoples Bank & Trust Company of Hazard routing number info

Table of contents:
Peoples Bank & Trust Company of Hazard
GeneralFDIC 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
WWW: http://www.peopleshazard.com
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
LocationAddress: 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 ChangesInstitution Becomes a Member of FRS (Federal Reserve System)
Change in Location
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)81
Total assets$287,115
Cash and due from depository institutions$34,316
Interest-bearing balances$24,553
Securities$17,850
Federal funds sold & reverse repurchase agreements$2,000
Net loans & leases$212,917
Loan loss allowance $1,825
Trading account assets$0
Bank premises and fixed assets$6,348
Other real estate owned$1,704
Goodwill and other intangibles$1,645
All other assets$10,335
Life insurance assets$287,115
Total liabilities and capital$260,739
Total liabilities$250,112
Total deposits$204,719
Interest-bearing deposits$250,112
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,140
Other borrowed funds $0
Subordinated debt $487
All other liabilities $26,376
Total equity capital$26,376
Total bank equity capital$26,376
Perpetual preferred stock$0
Common stock$500
Surplus$23,700
Undivided profits $2,176
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,443
Earning assets $0
Long-term assets (5+ years) $1,158
Average Assets, year-to-date $257,320
Average Assets, quarterly $120,002
Volatile liabilities $285,122
Insider loans $285,240
FHLB advances $205,018
Loans and leases held for sale $284,053
Unused loan commitments $6,139
Tier 1 (core) risk-based capital $6,139
Tier 2 risk-based capital $24,532
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,538
Derivatives$9,088
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,733
Total interest expense $3,265
Net interest income $10,468
Provision for loan and lease losses $761
Total noninterest income $1,629
Fiduciary activities $41
Service charges on deposit accounts $983
Trading account gains & fees $0
Additional noninterest income $605
Total noninterest expense $8,733
Salaries and employee benefits $4,041
Premises and equipment expense $2,436
Additional noninterest expense $2,256
Pre-tax net operating income $2,603
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,603
Extraordinary gains - net $0
Net income attributable to bank $2,603
Net charge-offs $0
Cash dividends $2,603
Sale, conversion, retirement of capital stock, net $878
Net operating income $2,050
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.35%
Cost of funding earning assets 1.27%
Net interest margin 4.08%
Noninterest income to earning assets 0.63%
Noninterest expense to earning assets 3.40%
Net operating income to assets 0.91%
Return on assets (ROA) 0.91%
Pretax return on assets 0.91%
Return on equity (ROE) 10.01%
Retained earnings to average equity (YTD only) 2.13%
Net charge-offs to loans 0.41%
Credit loss provision to net charge-offs 86.67%
Efficiency ratio3.83%
Assets per employee$72,191
Cash dividends to net income (YTD only)3.54%
Condition Ratios (%)
Loss allowance to loans 78.76%
Loss allowance to noncurrent loans 0.85%
Noncurrent assets plus other real estate owned to assets 53.01%
Noncurrent loans to loans 1.79%
Net loans and leases to deposits1.60%
Net loans and leases to core deposits 85.13%
Equity capital to assets 91.39%
Core capital (leverage) ratio 9.19%
Tier 1 risk-based capital ratio 8.64%
Total risk-based capital ratio 11.97%
Memoranda
Average assets$13
Average earning assets$285,122
Average equity $25,999
Average loans $256,720
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$26,547
Number of Accounts1
Personal trust and agency accounts$4,614
Employee benefit-defined contribution accounts$4,584
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$30
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts31
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$30
Employee benefit-defined benefit accounts$0
Other retirement accounts$21,933
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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