Peoples Bank and Trust Company of Clinton County in Albany, Kentucky (KY)



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Peoples Bank and Trust Company of Clinton County routing number info

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Peoples Bank and Trust Company of Clinton County
GeneralFDIC Certificate #: 58172
Status: Active
Federal Reserve ID: 3335301
Bank Holding Company (Regulatory Top Holder): Employee Stock Ownership Trust Of People's Bank And Trust Company Of Pickett County (RSSDID: 1426782, Location: Byrdstown, TN)
Date Established: March 20, 2006
WWW: http://www.peoplesbankalbany.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 441111
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: March 20, 2006
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
LocationAddress: 403 North Cross Street, Albany, KY 42602
County: Clinton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Dallas
FDIC Field Office: Elizabethtown
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $31.7 mil
Equity capital: $2.8 mil
Deposits held in domestic offices: $28.6 mil
Return on assets (ROA): -0.57% (-$0.2 mil)
Quarterly return on assets: -1.63% (-$0.5 mil)
Return on Equity (ROE): -6.13% (-$0.2 mil)
Quarterly return on equity: -18.00% (-$0.5 mil)
Net income: -$0.2 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -0.57% (-$180.8 mil)
Quarterly Pretax return on assets: -1.63% (-$516.9 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)13
Total assets$31,714
Cash and due from depository institutions$3,387
Interest-bearing balances$208
Securities$939
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$24,419
Loan loss allowance $471
Trading account assets$0
Bank premises and fixed assets$1,536
Other real estate owned$449
Goodwill and other intangibles$0
All other assets$984
Life insurance assets$31,714
Total liabilities and capital$28,891
Total liabilities$28,575
Total deposits$26,112
Interest-bearing deposits$28,575
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $316
All other liabilities $2,823
Total equity capital$2,823
Total bank equity capital$2,823
Perpetual preferred stock$0
Common stock$40
Surplus$3,960
Undivided profits $-1,177
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 $1,001
Earning assets $0
Long-term assets (5+ years) $268
Average Assets, year-to-date $25,566
Average Assets, quarterly $4,782
Volatile liabilities $31,967
Insider loans $31,920
FHLB advances $23,466
Loans and leases held for sale $31,814
Unused loan commitments $453
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,803
Total risk weighted assets $0
Total unused commitments $453
Restructured Loans and leases $1,285
Derivatives$167
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,818
Total interest expense $484
Net interest income $1,334
Provision for loan and lease losses $275
Total noninterest income $210
Fiduciary activities $0
Service charges on deposit accounts $183
Trading account gains & fees $0
Additional noninterest income $27
Total noninterest expense $1,450
Salaries and employee benefits $603
Premises and equipment expense $176
Additional noninterest expense $671
Pre-tax net operating income -$181
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$181
Extraordinary gains - net $0
Net income attributable to bank -$181
Net charge-offs $0
Cash dividends -$181
Sale, conversion, retirement of capital stock, net $454
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.85%
Cost of funding earning assets 1.82%
Net interest margin 5.03%
Noninterest income to earning assets 0.79%
Noninterest expense to earning assets 5.46%
Net operating income to assets -0.57%
Return on assets (ROA) -0.57%
Pretax return on assets -0.57%
Return on equity (ROE) -6.13%
Retained earnings to average equity (YTD only) -6.13%
Net charge-offs to loans 1.74%
Credit loss provision to net charge-offs 60.57%
Efficiency ratio0.21%
Assets per employee$93,912
Cash dividends to net income (YTD only)2.44%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.89%
Noncurrent assets plus other real estate owned to assets 47.05%
Noncurrent loans to loans 4.57%
Net loans and leases to deposits4.02%
Net loans and leases to core deposits 85.46%
Equity capital to assets 96.44%
Core capital (leverage) ratio 8.90%
Tier 1 risk-based capital ratio 8.81%
Total risk-based capital ratio 11.94%
Memoranda
Average assets$13
Average earning assets$31,967
Average equity $2,954
Average loans $26,533
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1 Kentucky Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0441111Peoples Bank And Trust Company Of Cl403 North Cross Street, Albany, KY 42602March 20, 2006Full Service Brick and Mortar
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