Peoples Exchange Bank in Stanton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Exchange Bank - Overview

  • General
  • FDIC Certificate #: 8785
    Status: Active
    Federal Reserve ID: 129910
    Bank Holding Company (Regulatory Top Holder): Genbeach Co., Inc. (RSSDID: 1246944, Location: Beattyville, KY)
    Date Established: September 13, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 13966
    FDIC's unique #: 5594
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 06, 2009
    Last Structure Change Process Date: Febuary 09, 2009
    Last Data Update: Febuary 09, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 53 East Pendleton Street, Stanton, KY 40380
    County: Powell
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $352.6 mil
    Equity capital: $27.2 mil
    Deposits held in domestic offices: $304.7 mil
    Return on assets (ROA): 0.58% ($2.0 mil)
    Quarterly return on assets: 0.70% ($2.5 mil)
    Return on Equity (ROE): 7.31% ($2.0 mil)
    Quarterly return on equity: 8.77% ($2.4 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.87% ($3,067.8 mil)
    Quarterly Pretax return on assets: 1.05% ($3,702.5 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
  • 128Total employees (full-time equivalent)
  • $352,621Total assets
  • $39,547Cash and due from depository institutions
  • $34,849Interest-bearing balances
  • $7,061Securities
  • $5,315Federal funds sold & reverse repurchase agreements
  • $272,959Net loans & leases
  • $3,173Loan loss allowance
  • $0Trading account assets
  • $15,928Bank premises and fixed assets
  • $5,342Other real estate owned
  • $1,664Goodwill and other intangibles
  • $352,621Life insurance assets
  • $4,805All other assets
  • $325,452Total liabilities and capital
  • $304,747Total liabilities
  • $263,037Total deposits
  • $304,747Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 3819.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,154Trading liabilities
  • $0Other borrowed funds
  • $2,732Subordinated debt
  • $27,169All other liabilities
  • $27,169Total equity capital
  • $27,169Total bank equity capital
  • $0Perpetual preferred stock
  • $110Common stock
  • $9,629Surplus
  • $17,430Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,875Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,930Income earned, not collected on loans
  • $0Earning assets
  • $1,671Long-term assets (5+ years)
  • $320,184Average Assets, year-to-date
  • $60,229Average Assets, quarterly
  • $328,487Volatile liabilities
  • $340,819Insider loans
  • $250,992FHLB advances
  • $337,099Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,380Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,146Restructured Loans and leases
  • $339Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,537Total interest income
  • $2,906Total interest expense
  • $12,631Net interest income
  • $1,120Provision for loan and lease losses
  • $4,441Total noninterest income
  • $0Fiduciary activities
  • $1,754Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,687Additional noninterest income
  • $13,080Total noninterest expense
  • $7,017Salaries and employee benefits
  • $2,434Premises and equipment expense
  • $3,629Additional noninterest expense
  • $2,872Pre-tax net operating income
  • $0Securities gains (losses)
  • $955Applicable income taxes
  • $1,917Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,917Net income attributable to bank
  • $0Net charge-offs
  • $1,917Cash dividends
  • $948Sale, conversion, retirement of capital stock, net
  • $1,300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.27%Net interest margin
  • 1.50%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 7.31%Return on equity (ROE)
  • 2.35%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 118.14%Credit loss provision to net charge-offs
  • 4.21%Efficiency ratio
  • 76,019Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.81%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 64.36%Noncurrent assets plus other real estate owned to assets
  • 2.91%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 89.57%Net loans and leases to core deposits
  • 92.85%Equity capital to assets
  • 7.70%Core capital (leverage) ratio
  • 7.53%Tier 1 risk-based capital ratio
  • 10.11%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $328,487Average earning assets
  • $26,209Average equity
  • $296,078Average loans

List of branches

  • 13 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05594Peoples Exchange Bank53 East Pendleton Street, Stanton, KY 40380September 13, 1912Full Service Brick and Mortar
    1218967Highways 52-11 BranchHighways 52 And 11, Beattyville, KY 41311October 03, 1977Full Service Brick and Mortar
    3218968Beattyville BranchMain, Locust, Center Bypass Streets, Beattyville, KY 41311July 09, 1998Full Service Brick and Mortar
    4361868Winchester Branch175 Brooks Place Way, Winchester, KY 40391Febuary 12, 2000Full Service Brick and Mortar
    5361870Mount Sterling Branch212 Apperson Heights, Mount Sterling, KY 40353July 10, 2000Full Service Brick and Mortar
    6365411Mount Sterling Main560 Indian Mound Drive, Mount Sterling, KY 40353July 25, 2001Full Service Retail
    7419911Clay City Branch5377 Main Street, Clay City, KY 40312September 15, 2002Full Service Retail
    8429514Winchester Main Branch101 N Main Street, Winchester, KY 40391October 01, 2003Full Service Brick and Mortar
    10469493Georgetown Lpo923 South Broadway, Georgetown, KY 40324November 16, 2007Limited Service Loan Production
    111789Lexington Main Branch400 East Main Street, Lexington, KY 40507January 01, 1866Full Service Brick and Mortar
    12361339Stonewall Branch3101 Claysmill Rd., Lexington, KY 40503December 18, 2000Full Service Brick and Mortar
    13428702Georgetown Banking Center Branch108 Lawson Drive, Georgetown, KY 40324January 26, 2004Full Service Brick and Mortar
    14493979Richmond Lpo108 Forbes Court, Suite 2, Richmond, KY 40475August 17, 2009Limited Service Loan Production

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