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



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Peoples Bank of Kentucky, Inc. routing number info

Table of contents:
Peoples Bank of Kentucky, Inc.
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Name Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)57
Total assets$191,634
Cash and due from depository institutions$6,985
Interest-bearing balances$4,342
Securities$24,210
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$149,891
Loan loss allowance $2,343
Trading account assets$0
Bank premises and fixed assets$2,337
Other real estate owned$723
Goodwill and other intangibles$0
All other assets$7,488
Life insurance assets$191,634
Total liabilities and capital$165,357
Total liabilities$158,490
Total deposits$145,562
Interest-bearing deposits$158,490
Deposits held in domestic offices$90
% insured (estimated)1174.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,212
Other borrowed funds $0
Subordinated debt $1,481
All other liabilities $26,277
Total equity capital$26,277
Total bank equity capital$26,277
Perpetual preferred stock$0
Common stock$800
Surplus$4,200
Undivided profits $21,277
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 $3,589
Earning assets $0
Long-term assets (5+ years) $1,404
Average Assets, year-to-date $178,443
Average Assets, quarterly $27,900
Volatile liabilities $186,697
Insider loans $190,048
FHLB advances $153,742
Loans and leases held for sale $191,642
Unused loan commitments $2,308
Tier 1 (core) risk-based capital $2,308
Tier 2 risk-based capital $25,994
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,805
Derivatives$10,806
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,639
Total interest expense $1,539
Net interest income $8,100
Provision for loan and lease losses $750
Total noninterest income $1,339
Fiduciary activities $16
Service charges on deposit accounts $909
Trading account gains & fees $0
Additional noninterest income $414
Total noninterest expense $5,639
Salaries and employee benefits $2,944
Premises and equipment expense $762
Additional noninterest expense $1,933
Pre-tax net operating income $3,050
Securities gains (losses) $8
Applicable income taxes $846
Income before extraordinary items $2,212
Extraordinary gains - net $0
Net income attributable to bank $2,212
Net charge-offs $0
Cash dividends $2,212
Sale, conversion, retirement of capital stock, net $622
Net operating income $728
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.54%
Cost of funding earning assets 0.88%
Net interest margin 4.65%
Noninterest income to earning assets 0.77%
Noninterest expense to earning assets 3.24%
Net operating income to assets 1.18%
Return on assets (ROA) 1.18%
Pretax return on assets 1.64%
Return on equity (ROE) 8.67%
Retained earnings to average equity (YTD only) 5.82%
Net charge-offs to loans 0.42%
Credit loss provision to net charge-offs 120.58%
Efficiency ratio6.11%
Assets per employee$59,741
Cash dividends to net income (YTD only)3.36%
Condition Ratios (%)
Loss allowance to loans 32.91%
Loss allowance to noncurrent loans 1.54%
Noncurrent assets plus other real estate owned to assets 65.28%
Noncurrent loans to loans 2.25%
Net loans and leases to deposits2.36%
Net loans and leases to core deposits 94.57%
Equity capital to assets 100.93%
Core capital (leverage) ratio 13.71%
Tier 1 risk-based capital ratio 13.56%
Total risk-based capital ratio 16.91%
Memoranda
Average assets$18
Average earning assets$186,697
Average equity $25,516
Average loans $174,007
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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$5,221
Number of Accounts1
Personal trust and agency accounts$5,221
Employee benefit-defined contribution accounts$5,221
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts56
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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6 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011046Peoples Bank Of Kentucky, Inc.106 South Main, Flemingsburg, KY 41041April 06, 1906Full Service Brick and Mortar
1239784Drive-In Branch202 East Water Street, Flemingsburg, KY 41041September 29, 1973Limited Service Facility
2239785Hillsboro BranchRoute 111, Hillsboro, KY 41049August 15, 1991Limited Service Facility
3239786Morehead Road Branch6925 Morehead Road, Flemingsburg, KY 41041December 27, 1999Limited Service Facility
5465877Tucker Drive Branch90 Tucker Drive, Maysville, KY 41056July 01, 2006Full Service Brick and Mortar
6522171Mayslick Branch6588 Us 68, Mayslick, KY 41055August 15, 2011Full Service Brick and Mortar
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