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


  • Peoples Bank and Trust Company of Madison County in Berea, Kentucky (KY)
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Peoples Bank and Trust Company of Madison County - Overview

  • General
  • FDIC Certificate #: 20281
    Status: Active
    Federal Reserve ID: 746513
    Bank Holding Company (Regulatory Top Holder): Whitaker Bank Corporation Of Kentucky (RSSDID: 1966671, Location: Lexington, KY)
    Date Established: October 19, 1970
    WWW: http://www.whitakerbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 12646
    FDIC's unique #: 13956
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 19, 1970
    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: 419 Chestnut Street, Berea, KY 40403
    County: Madison
    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
    Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Richmond-Berea, KY (#40080)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $410.4 mil
    Equity capital: $49.4 mil
    Deposits held in domestic offices: $314.5 mil
    Return on assets (ROA): 0.86% ($3.5 mil)
    Quarterly return on assets: 1.08% ($4.4 mil)
    Return on Equity (ROE): 7.42% ($3.6 mil)
    Quarterly return on equity: 9.05% ($4.4 mil)
    Net income: $3.6 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.21% ($4,965.3 mil)
    Quarterly Pretax return on assets: 1.52% ($6,237.4 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
  • 90Total employees (full-time equivalent)
  • $410,352Total assets
  • $8,101Cash and due from depository institutions
  • $571Interest-bearing balances
  • $108,476Securities
  • $2,609Federal funds sold & reverse repurchase agreements
  • $259,768Net loans & leases
  • $5,301Loan loss allowance
  • $0Trading account assets
  • $8,876Bank premises and fixed assets
  • $866Other real estate owned
  • $10,301Goodwill and other intangibles
  • $410,352Life insurance assets
  • $11,355All other assets
  • $360,943Total liabilities and capital
  • $314,459Total liabilities
  • $265,989Total deposits
  • $314,459Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 28890.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,606Trading liabilities
  • $0Other borrowed funds
  • $2,988Subordinated debt
  • $49,409All other liabilities
  • $49,409Total equity capital
  • $49,409Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $22,600Surplus
  • $25,809Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,240Income earned, not collected on loans
  • $0Earning assets
  • $2,074Long-term assets (5+ years)
  • $371,424Average Assets, year-to-date
  • $77,037Average Assets, quarterly
  • $415,989Volatile liabilities
  • $413,947Insider loans
  • $251,636FHLB advances
  • $403,857Loans and leases held for sale
  • $2,710Unused loan commitments
  • $2,710Tier 1 (core) risk-based capital
  • $37,442Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,310Restructured Loans and leases
  • $12,082Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,665Total interest income
  • $3,207Total interest expense
  • $15,458Net interest income
  • $793Provision for loan and lease losses
  • $2,269Total noninterest income
  • $0Fiduciary activities
  • $1,691Service charges on deposit accounts
  • $0Trading account gains & fees
  • $578Additional noninterest income
  • $12,032Total noninterest expense
  • $5,221Salaries and employee benefits
  • $1,508Premises and equipment expense
  • $5,303Additional noninterest expense
  • $4,902Pre-tax net operating income
  • $125Securities gains (losses)
  • $1,429Applicable income taxes
  • $3,598Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,598Net income attributable to bank
  • $0Net charge-offs
  • $3,598Cash dividends
  • $337Sale, conversion, retirement of capital stock, net
  • $3,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.20%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 7.42%Return on equity (ROE)
  • 0.20%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 235.31%Credit loss provision to net charge-offs
  • 16.90%Efficiency ratio
  • 64,895Assets per employee
  • 4.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.28%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 64.33%Noncurrent assets plus other real estate owned to assets
  • 2.22%Noncurrent loans to loans
  • 3.11%Net loans and leases to deposits
  • 82.61%Net loans and leases to core deposits
  • 92.45%Equity capital to assets
  • 12.04%Core capital (leverage) ratio
  • 9.27%Tier 1 risk-based capital ratio
  • 14.88%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $415,989Average earning assets
  • $48,462Average equity
  • $376,425Average loans

List of branches

  • 11 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013956Peoples Bank And Trust Company Of Ma419 Chestnut Street, Berea, KY 40403October 19, 1970Full Service Brick and Mortar
    1250658U.S. 25 Branch303 Ushwy 25, Berea, KY 40403November 22, 1971Full Service Brick and Mortar
    2250659Richmond Branch1157 Berea Rd, Richmond, KY 40475December 14, 1987Full Service Brick and Mortar
    3250660Eastern By-Pass Branch460 Eastern By-Pass, Richmond, KY 40475August 15, 1994Full Service Brick and Mortar
    4250661Wal-Mart Branch820 Eastern By-Pass, Richmond, KY 40475May 15, 1996Full Service Retail
    5250662Brandy Lane Branch1000 Brandy Lane, Richmond, KY 40475March 17, 1998Full Service Brick and Mortar
    63995Waco BranchSthy 52 At College Hill Road, Waco, KY 40385October 05, 1905Full Service Brick and Mortar
    71729Berea National Bank Branch424 Chestnut Street, Berea, KY 40403December 03, 1906Limited Service Administrative
    8193823West End Branch102 West Jefferson Street, Berea, KY 40403April 15, 1983Full Service Brick and Mortar
    9193824North Berea Branch228 Glades Road, Berea, KY 40403December 21, 1992Full Service Brick and Mortar
    10431446Mt. Vernon Branch350 Richmond Street, Mount Vernon, KY 40456August 13, 2001Full Service Brick and Mortar

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