Peoples Commercial Bank in Winchester, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 2000

  • Peoples Commercial Bank in Winchester, Kentucky (KY)
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Peoples Commercial Bank - Overview

  • General
  • FDIC Certificate #: 8766
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: (#14876)
    Federal Reserve ID: 247618
    Date Established: January 01, 1923
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 10835
    FDIC's unique #: 5581
    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 01, 1934
    Last Structure Change Effective Date: October 02, 2000
    Last Structure Change Process Date: November 02, 2000
    Last Data Update: November 02, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Broadway And Maple Streets, Winchester, KY 40391
    County: Clark
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    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): Lexington-Fayette, KY (#30460)
    CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $144.5 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 49Total employees (full-time equivalent)
  • $143,587Total assets
  • $7,642Cash and due from depository institutions
  • $63Interest-bearing balances
  • $26,646Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,774Net loans & leases
  • $1,951Loan loss allowance
  • $0Trading account assets
  • $1,186Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,339All other assets
  • $143,587Total liabilities and capital
  • $133,211Total liabilities
  • $125,104Total deposits
  • $110,300Interest-bearing deposits
  • $125,104Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $6,118Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,231Other borrowed funds
  • $0Subordinated debt
  • $758All other liabilities
  • $10,376Total equity capital
  • $10,376Total bank equity capital
  • $10,376Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $5,950Undivided profits
  • Memoranda
  • $3,676Noncurrent loans and leases
  • $17,799Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $39Earning assets
  • $0Long-term assets (5+ years)
  • $1,276Average Assets, year-to-date
  • $132,483Average Assets, quarterly
  • $16,175Volatile liabilities
  • $150,969Insider loans
  • $144,772FHLB advances
  • $16,543Loans and leases held for sale
  • $7,565Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,217Total risk weighted assets
  • $17,799Total unused commitments
  • $0Restructured Loans and leases
  • $1,237Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $11,109Total interest income
  • $5,083Total interest expense
  • $6,026Net interest income
  • $100Provision for loan and lease losses
  • $737Total noninterest income
  • $3Fiduciary activities
  • $436Service charges on deposit accounts
  • $0Trading account gains & fees
  • $298Additional noninterest income
  • $3,715Total noninterest expense
  • $1,794Salaries and employee benefits
  • $548Premises and equipment expense
  • $1,373Additional noninterest expense
  • $2,948Pre-tax net operating income
  • $3Securities gains (losses)
  • $366Applicable income taxes
  • $2,585Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,585Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $2,470Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.82%Yield on earning assets
  • 3.58%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 1.71%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 24.07%Return on equity (ROE)
  • 1.07%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 2000.00%Credit loss provision to net charge-offs
  • 609.60%Efficiency ratio
  • 54,931Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 95.55%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 5002.56%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 84.55%Net loans and leases to core deposits
  • 92.23%Equity capital to assets
  • 7.23%Core capital (leverage) ratio
  • 7.36%Tier 1 risk-based capital ratio
  • 10.87%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $150,969Average earning assets
  • $10,741Average equity
  • $142,039Average loans

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