Peoples Bank of Kentucky, Inc. in city_name, state_name - Detailed Financial Reports, Location

Peoples Bank of Kentucky, Inc. in Flemingsburg, Kentucky (KY)
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Peoples Bank of Kentucky, Inc. routing number info

Peoples Bank of Kentucky, Inc. - Overview

General
FDIC Certificate #: 16970
Status: Active
Federal Reserve ID: 995517
Bank Holding Company (Regulatory Top Holder): Peoples Of Fleming County Bancorp, Inc. (RSSDID: 2356701, Location: Flemingsburg, KY)
Date Established: April 06, 1906
WWW: http://www.pbfco.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10588
FDIC's unique #: 11046
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: December 27, 1950
Last Structure Change Effective Date: May 10, 2007
Last Structure Change Process Date: June 06, 2007
Last Data Update: June 06, 2007
Data Source Date: April 05, 2012
Location
Address: 106 South Main, Flemingsburg, KY 41041
County: Fleming
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
Corrections
Name Change
Financial Summary
Total assets: $191.6 mil
Equity capital: $26.3 mil
Deposits held in domestic offices: $158.5 mil
Return on assets (ROA): 1.18% ($2.3 mil)
Quarterly return on assets: 1.27% ($2.4 mil)
Return on Equity (ROE): 8.67% ($2.3 mil)
Quarterly return on equity: 9.23% ($2.4 mil)
Net income: $2.2 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.64% ($3,142.8 mil)
Quarterly Pretax return on assets: 1.53% ($2,932.0 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
57Total employees (full-time equivalent)
$191,634Total assets
$6,985Cash and due from depository institutions
$4,342Interest-bearing balances
$24,210Securities
$0Federal funds sold & reverse repurchase agreements
$149,891Net loans & leases
$2,343Loan loss allowance
$0Trading account assets
$2,337Bank premises and fixed assets
$723Other real estate owned
$0Goodwill and other intangibles
$191,634Life insurance assets
$7,488All other assets
$165,357Total liabilities and capital
$158,490Total liabilities
$145,562Total deposits
$158,490Interest-bearing deposits
$90Deposits held in domestic offices
1174.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,212Trading liabilities
$0Other borrowed funds
$1,481Subordinated debt
$26,277All other liabilities
$26,277Total equity capital
$26,277Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$4,200Surplus
$21,277Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,589Income earned, not collected on loans
$0Earning assets
$1,404Long-term assets (5+ years)
$178,443Average Assets, year-to-date
$27,900Average Assets, quarterly
$186,697Volatile liabilities
$190,048Insider loans
$153,742FHLB advances
$191,642Loans and leases held for sale
$2,308Unused loan commitments
$2,308Tier 1 (core) risk-based capital
$25,994Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,805Restructured Loans and leases
$10,806Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,639Total interest income
$1,539Total interest expense
$8,100Net interest income
$750Provision for loan and lease losses
$1,339Total noninterest income
$16Fiduciary activities
$909Service charges on deposit accounts
$0Trading account gains & fees
$414Additional noninterest income
$5,639Total noninterest expense
$2,944Salaries and employee benefits
$762Premises and equipment expense
$1,933Additional noninterest expense
$3,050Pre-tax net operating income
$8Securities gains (losses)
$846Applicable income taxes
$2,212Income before extraordinary items
$0Extraordinary gains - net
$2,212Net income attributable to bank
$0Net charge-offs
$2,212Cash dividends
$622Sale, conversion, retirement of capital stock, net
$728Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.54%Yield on earning assets
0.88%Cost of funding earning assets
4.65%Net interest margin
0.77%Noninterest income to earning assets
3.24%Noninterest expense to earning assets
1.18%Net operating income to assets
1.18%Return on assets (ROA)
1.64%Pretax return on assets
8.67%Return on equity (ROE)
5.82%Retained earnings to average equity (YTD only)
0.42%Net charge-offs to loans
120.58%Credit loss provision to net charge-offs
6.11%Efficiency ratio
59,741Assets per employee
3.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.91%Loss allowance to loans
1.54%Loss allowance to noncurrent loans
65.28%Noncurrent assets plus other real estate owned to assets
2.25%Noncurrent loans to loans
2.36%Net loans and leases to deposits
94.57%Net loans and leases to core deposits
100.93%Equity capital to assets
13.71%Core capital (leverage) ratio
13.56%Tier 1 risk-based capital ratio
16.91%Total risk-based capital ratio
Memoranda
$18Average assets
$186,697Average earning assets
$25,516Average equity
$174,007Average 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
$5,221Managed Assets
1Number of Accounts
$5,221Personal trust and agency accounts
$5,221Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
56Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

6 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11046	Peoples Bank Of Kentucky, Inc.	106 South Main, Flemingsburg, KY 41041	April 06, 1906	Full Service Brick and Mortar
1	239784	Drive-In Branch	202 East Water Street, Flemingsburg, KY 41041	September 29, 1973	Limited Service Facility
2	239785	Hillsboro Branch	Route 111, Hillsboro, KY 41049	August 15, 1991	Limited Service Facility
3	239786	Morehead Road Branch	6925 Morehead Road, Flemingsburg, KY 41041	December 27, 1999	Limited Service Facility
5	465877	Tucker Drive Branch	90 Tucker Drive, Maysville, KY 41056	July 01, 2006	Full Service Brick and Mortar
6	522171	Mayslick Branch	6588 Us 68, Mayslick, KY 41055	August 15, 2011	Full Service Brick and Mortar

Peoples Bank of Kentucky, Inc. in Flemingsburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of Kentucky, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Peoples Bank of Kentucky, Inc. in Flemingsburg, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of Kentucky, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Peoples Bank of Kentucky, Inc. in Flemingsburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches