Pioneer Federal Savings Bank in Winchester, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 31, 1998

  • Pioneer Federal Savings Bank in Winchester, Kentucky (KY)
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Pioneer Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 30556
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central Bank & Trust Co. (#15815)
    Federal Reserve ID: 348074
    Date Established: January 01, 1885
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5545
    FDIC's unique #: 43390
    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: Febuary 09, 1953
    Last Structure Change Effective Date: August 31, 1998
    Last Structure Change Process Date: October 05, 1998
    Last Data Update: October 05, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 25 East Hickman Street, 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)
  • Financial Summary
  • Total assets: $72.2 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
  • 22Total employees (full-time equivalent)
  • $72,102Total assets
  • $2,688Cash and due from depository institutions
  • $1,627Interest-bearing balances
  • $31,345Securities
  • $475Federal funds sold & reverse repurchase agreements
  • $34,934Net loans & leases
  • $389Loan loss allowance
  • $0Trading account assets
  • $1,358Bank premises and fixed assets
  • $0Other real estate owned
  • $115Goodwill and other intangibles
  • $0Life insurance assets
  • $1,187All other assets
  • $72,102Total liabilities and capital
  • $62,946Total liabilities
  • $60,911Total deposits
  • $58,027Interest-bearing deposits
  • $60,911Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $644Other borrowed funds
  • $0Subordinated debt
  • $1,391All other liabilities
  • $9,156Total equity capital
  • $9,156Total bank equity capital
  • $9,156Perpetual preferred stock
  • $0Common stock
  • $272Surplus
  • $2,338Undivided profits
  • Memoranda
  • $6,546Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $207Earning assets
  • $0Long-term assets (5+ years)
  • $280Average Assets, year-to-date
  • $68,381Average Assets, quarterly
  • $0Volatile liabilities
  • $74,674Insider loans
  • $73,471FHLB advances
  • $8,740Loans and leases held for sale
  • $0Unused loan commitments
  • $644Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,994Total unused commitments
  • $0Restructured Loans and leases
  • $30,131Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $5,252Total interest income
  • $2,686Total interest expense
  • $2,566Net interest income
  • $0Provision for loan and lease losses
  • $1,154Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,154Additional noninterest income
  • $1,605Total noninterest expense
  • $891Salaries and employee benefits
  • $366Premises and equipment expense
  • $348Additional noninterest expense
  • $2,115Pre-tax net operating income
  • $71Securities gains (losses)
  • $756Applicable income taxes
  • $1,430Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,430Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$9Sale, conversion, retirement of capital stock, net
  • $332Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.40%Yield on earning assets
  • 3.78%Cost of funding earning assets
  • 3.62%Net interest margin
  • 1.63%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 1.85%Net operating income to assets
  • 1.92%Return on assets (ROA)
  • 2.93%Pretax return on assets
  • 16.74%Return on equity (ROE)
  • 12.86%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 43,145Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.22%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 187.92%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 57.35%Net loans and leases to core deposits
  • 66.14%Equity capital to assets
  • 12.70%Core capital (leverage) ratio
  • 12.61%Tier 1 risk-based capital ratio
  • 30.15%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $74,674Average earning assets
  • $8,541Average equity
  • $70,965Average loans

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