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


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
  • 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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