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

This bank is inactive as of December 30, 2002

  • Peoples Bank of Northern Kentucky, Inc. in Crestview Hills, Kentucky (KY)
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Peoples Bank of Northern Kentucky, Inc. - Overview

  • General
  • FDIC Certificate #: 33541
    Status: Inactive
    Federal Reserve ID: 1919556
    Date Established: January 13, 1992
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 10496
    FDIC's unique #: 47421
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 13, 1992
    Last Structure Change Effective Date: December 30, 2002
    Last Structure Change Process Date: October 02, 2006
    Last Data Update: October 02, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 Lookout Farm Drive, Crestview Hills, KY 41017
    County: Kenton
    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): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Other Liquidations and Closings
    Corrections
    Change in Insurance Status
  • Financial Summary
  • Total assets: $198.0 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, 2001)

  • Dollar figures in thousands
  • 54Total employees (full-time equivalent)
  • $207,177Total assets
  • $8,930Cash and due from depository institutions
  • $47Interest-bearing balances
  • $3,089Securities
  • $8,809Federal funds sold & reverse repurchase agreements
  • $170,344Net loans & leases
  • $1,747Loan loss allowance
  • $0Trading account assets
  • $9,043Bank premises and fixed assets
  • $312Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,650All other assets
  • $207,177Total liabilities and capital
  • $193,076Total liabilities
  • $169,259Total deposits
  • $144,047Interest-bearing deposits
  • $169,259Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $623Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $15,000Other borrowed funds
  • $0Subordinated debt
  • $8,194All other liabilities
  • $14,101Total equity capital
  • $14,101Total bank equity capital
  • $14,101Perpetual preferred stock
  • $0Common stock
  • $940Surplus
  • $20,618Undivided profits
  • Memoranda
  • $-7,457Noncurrent loans and leases
  • $44,748Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $970Average Assets, year-to-date
  • $182,289Average Assets, quarterly
  • $10,442Volatile liabilities
  • $197,496Insider loans
  • $204,099FHLB advances
  • $29,299Loans and leases held for sale
  • $13,443Unused loan commitments
  • $15,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $908Total risk weighted assets
  • $44,748Total unused commitments
  • $0Restructured Loans and leases
  • $1,747Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $15,738Total interest income
  • $7,118Total interest expense
  • $8,620Net interest income
  • $5,903Provision for loan and lease losses
  • $1,749Total noninterest income
  • $290Fiduciary activities
  • $670Service charges on deposit accounts
  • $0Trading account gains & fees
  • $789Additional noninterest income
  • $11,565Total noninterest expense
  • $2,645Salaries and employee benefits
  • $644Premises and equipment expense
  • $8,276Additional noninterest expense
  • -$7,099Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2,392Applicable income taxes
  • -$4,707Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,707Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5,704Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.72%Yield on earning assets
  • 3.94%Cost of funding earning assets
  • 4.77%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 6.40%Noninterest expense to earning assets
  • -2.38%Net operating income to assets
  • -2.38%Return on assets (ROA)
  • -3.59%Pretax return on assets
  • -27.23%Return on equity (ROE)
  • -27.23%Retained earnings to average equity (YTD only)
  • 3.34%Net charge-offs to loans
  • 103.49%Credit loss provision to net charge-offs
  • -0.21%Efficiency ratio
  • 111,534Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 100.64%Net loans and leases to core deposits
  • 121.17%Equity capital to assets
  • 6.81%Core capital (leverage) ratio
  • 6.89%Tier 1 risk-based capital ratio
  • 7.00%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $197,496Average earning assets
  • $17,289Average equity
  • $180,565Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $90,114Managed Assets
  • 1Number of Accounts
  • $87,293Personal trust and agency accounts
  • $63,507Employee benefit-defined contribution accounts
  • $247Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $9,570Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $13,969Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 100Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,821Other retirement accounts
  • $1,733Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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