Peoples First, F.S.B. in Central City, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 12, 1998

  • Peoples First, F.S.B. in Central City, Kentucky (KY)
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Peoples First, F.S.B. - Overview

  • General
  • FDIC Certificate #: 28962
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
    Federal Reserve ID: 869476
    Date Established: June 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2693
    FDIC's unique #: 41796
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: January 25, 1935
    Last Structure Change Effective Date: Febuary 12, 1998
    Last Structure Change Process Date: March 18, 1998
    Last Data Update: March 18, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 214 North First St, Central City, KY 42330
    County: Muhlenberg
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Central City, KY (#16420)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $177.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 64Total employees (full-time equivalent)
  • $177,413Total assets
  • $5,931Cash and due from depository institutions
  • $2,979Interest-bearing balances
  • $48,779Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $117,347Net loans & leases
  • $1,038Loan loss allowance
  • $0Trading account assets
  • $1,784Bank premises and fixed assets
  • $69Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,503All other assets
  • $177,413Total liabilities and capital
  • $158,895Total liabilities
  • $146,982Total deposits
  • $143,406Interest-bearing deposits
  • $146,982Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,853Other borrowed funds
  • $0Subordinated debt
  • $2,060All other liabilities
  • $18,518Total equity capital
  • $18,518Total bank equity capital
  • $18,518Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $3,099Undivided profits
  • Memoranda
  • $15,418Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,058Earning assets
  • $0Long-term assets (5+ years)
  • $903Average Assets, year-to-date
  • $169,105Average Assets, quarterly
  • $0Volatile liabilities
  • $172,838Insider loans
  • $177,573FHLB advances
  • $19,881Loans and leases held for sale
  • $543Unused loan commitments
  • $9,853Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,067Total unused commitments
  • $0Restructured Loans and leases
  • $90,007Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $12,766Total interest income
  • $6,947Total interest expense
  • $5,819Net interest income
  • $441Provision for loan and lease losses
  • $740Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $740Additional noninterest income
  • $3,424Total noninterest expense
  • $1,741Salaries and employee benefits
  • $372Premises and equipment expense
  • $1,311Additional noninterest expense
  • $2,694Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,011Applicable income taxes
  • $1,683Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,683Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $228Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.75%Yield on earning assets
  • 4.22%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.08%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 9.56%Return on equity (ROE)
  • 9.56%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 193.42%Credit loss provision to net charge-offs
  • 13.75%Efficiency ratio
  • 52,203Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 98.11%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 79.84%Net loans and leases to core deposits
  • 85.68%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.32%Tier 1 risk-based capital ratio
  • 20.29%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $172,838Average earning assets
  • $17,611Average equity
  • $164,687Average loans

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