Peoples Bank and Trust Company of Clinton County in Albany, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank and Trust Company of Clinton County - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 13Total employees (full-time equivalent)
  • $31,714Total assets
  • $3,387Cash and due from depository institutions
  • $208Interest-bearing balances
  • $939Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $24,419Net loans & leases
  • $471Loan loss allowance
  • $0Trading account assets
  • $1,536Bank premises and fixed assets
  • $449Other real estate owned
  • $0Goodwill and other intangibles
  • $31,714Life insurance assets
  • $984All other assets
  • $28,891Total liabilities and capital
  • $28,575Total liabilities
  • $26,112Total deposits
  • $28,575Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $316Subordinated debt
  • $2,823All other liabilities
  • $2,823Total equity capital
  • $2,823Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $3,960Surplus
  • $-1,177Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,001Income earned, not collected on loans
  • $0Earning assets
  • $268Long-term assets (5+ years)
  • $25,566Average Assets, year-to-date
  • $4,782Average Assets, quarterly
  • $31,967Volatile liabilities
  • $31,920Insider loans
  • $23,466FHLB advances
  • $31,814Loans and leases held for sale
  • $453Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,803Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $453Total unused commitments
  • $1,285Restructured Loans and leases
  • $167Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,818Total interest income
  • $484Total interest expense
  • $1,334Net interest income
  • $275Provision for loan and lease losses
  • $210Total noninterest income
  • $0Fiduciary activities
  • $183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $27Additional noninterest income
  • $1,450Total noninterest expense
  • $603Salaries and employee benefits
  • $176Premises and equipment expense
  • $671Additional noninterest expense
  • -$181Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$181Income before extraordinary items
  • $0Extraordinary gains - net
  • -$181Net income attributable to bank
  • $0Net charge-offs
  • -$181Cash dividends
  • $454Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.85%Yield on earning assets
  • 1.82%Cost of funding earning assets
  • 5.03%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 5.46%Noninterest expense to earning assets
  • -0.57%Net operating income to assets
  • -0.57%Return on assets (ROA)
  • -0.57%Pretax return on assets
  • -6.13%Return on equity (ROE)
  • -6.13%Retained earnings to average equity (YTD only)
  • 1.74%Net charge-offs to loans
  • 60.57%Credit loss provision to net charge-offs
  • 0.21%Efficiency ratio
  • 93,912Assets per employee
  • 2.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 47.05%Noncurrent assets plus other real estate owned to assets
  • 4.57%Noncurrent loans to loans
  • 4.02%Net loans and leases to deposits
  • 85.46%Net loans and leases to core deposits
  • 96.44%Equity capital to assets
  • 8.90%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 11.94%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $31,967Average earning assets
  • $2,954Average equity
  • $26,533Average loans

List of branches

  • 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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