The Paducah Bank and Trust Company in Paducah, Kentucky (KY)
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| The Paducah Bank and Trust Company | |
|---|---|
| General | FDIC Certificate #: 16664 Status: Active Federal Reserve ID: 285740 Bank Holding Company (Regulatory Top Holder): Paducah Bank Shares, Inc. (RSSDID: 1099908, Location: Paducah, KY) Date Established: January 24, 1948 WWW: http://www.paducahbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Domestic: 7, Interstate: No) OTS Docket #: 10257 FDIC's unique #: 10795 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 24, 1948 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: June 17, 2010 Last Data Update: June 17, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 555 Jefferson Street, Paducah, KY 42001 County: Mccracken Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Hopkinsville Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424) Core Based Statistical Area (CBSA): Paducah, KY-IL (#37140) CBSA Micro Statistical Area: Yes |
| History of Changes | Change in Location Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $534.1 mil Equity capital: $62.0 mil Deposits held in domestic offices: $423.1 mil Return on assets (ROA): 2.08% ($11.1 mil) Quarterly return on assets: 2.04% ($10.9 mil) Return on Equity (ROE): 18.79% ($11.6 mil) Quarterly return on equity: 17.63% ($10.9 mil) Net income: $11.0 mil Quarterly Net income: $2.7 mil Pretax return on assets: 2.08% ($11,109.3 mil) Quarterly Pretax return on assets: 2.04% ($10,895.7 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 145 |
| Total assets | $534,103 |
| Cash and due from depository institutions | $25,956 |
| Interest-bearing balances | $13,435 |
| Securities | $145,477 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $334,410 |
| Loan loss allowance | $6,049 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $10,702 |
| Other real estate owned | $446 |
| Goodwill and other intangibles | $3,327 |
| All other assets | $13,785 |
| Life insurance assets | $534,103 |
| Total liabilities and capital | $472,131 |
| Total liabilities | $423,052 |
| Total deposits | $321,028 |
| Interest-bearing deposits | $423,052 |
| Deposits held in domestic offices | $80 |
| % insured (estimated) | 16499.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $27,334 |
| Other borrowed funds | $0 |
| Subordinated debt | $5,246 |
| All other liabilities | $61,972 |
| Total equity capital | $61,972 |
| Total bank equity capital | $61,972 |
| Perpetual preferred stock | $0 |
| Common stock | $2,300 |
| Surplus | $16,033 |
| Undivided profits | $43,639 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $3,081 |
| Income earned, not collected on loans | $1,126 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $2,053 |
| Average Assets, year-to-date | $493,322 |
| Average Assets, quarterly | $126,489 |
| Volatile liabilities | $528,659 |
| Insider loans | $532,584 |
| FHLB advances | $335,394 |
| Loans and leases held for sale | $520,427 |
| Unused loan commitments | $7,758 |
| Tier 1 (core) risk-based capital | $7,758 |
| Tier 2 risk-based capital | $52,841 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $85,920 |
| Derivatives | $2,135 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $24,081 |
| Total interest expense | $2,512 |
| Net interest income | $21,569 |
| Provision for loan and lease losses | $740 |
| Total noninterest income | $6,474 |
| Fiduciary activities | $713 |
| Service charges on deposit accounts | $1,477 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $4,284 |
| Total noninterest expense | $16,500 |
| Salaries and employee benefits | $9,986 |
| Premises and equipment expense | $2,143 |
| Additional noninterest expense | $4,371 |
| Pre-tax net operating income | $10,803 |
| Securities gains (losses) | $171 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $10,974 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $10,974 |
| Net charge-offs | $0 |
| Cash dividends | $10,974 |
| Sale, conversion, retirement of capital stock, net | $655 |
| Net operating income | $6,502 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.94% |
| Cost of funding earning assets | 0.52% |
| Net interest margin | 4.43% |
| Noninterest income to earning assets | 1.33% |
| Noninterest expense to earning assets | 3.39% |
| Net operating income to assets | 2.04% |
| Return on assets (ROA) | 2.08% |
| Pretax return on assets | 2.08% |
| Return on equity (ROE) | 18.79% |
| Retained earnings to average equity (YTD only) | 7.66% |
| Net charge-offs to loans | 0.19% |
| Credit loss provision to net charge-offs | 112.98% |
| Efficiency ratio | 17.62% |
| Assets per employee | $58,838 |
| Cash dividends to net income (YTD only) | 3.68% |
| Condition Ratios (%) | |
| Loss allowance to loans | 59.25% |
| Loss allowance to noncurrent loans | 1.78% |
| Noncurrent assets plus other real estate owned to assets | 537.21% |
| Noncurrent loans to loans | 0.29% |
| Net loans and leases to deposits | 0.33% |
| Net loans and leases to core deposits | 79.05% |
| Equity capital to assets | 88.08% |
| Core capital (leverage) ratio | 11.60% |
| Tier 1 risk-based capital ratio | 10.15% |
| Total risk-based capital ratio | 15.75% |
| Memoranda | |
| Average assets | $17 |
| Average earning assets | $528,659 |
| Average equity | $58,394 |
| Average loans | $487,381 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $266,009 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $264,001 |
| Employee benefit-defined contribution accounts | $169,140 |
| Employee benefit-defined benefit accounts | $8,650 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $10,350 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $73,769 |
| Non-managed Assets | $2,092 |
| Number of Accounts | 194 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $2,711 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $2,008 |
| Corporate trust and agency accounts | $2,008 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 7 Kentucky Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 10795 | The Paducah Bank And Trust Company | 555 Jefferson Street, Paducah, KY 42001 | January 24, 1948 | Full Service Brick and Mortar |  |
| 1 | 238537 | Mid-City Branch | 2401 Broadway, Paducah, KY 42001 | July 01, 1964 | Full Service Brick and Mortar |  |
| 2 | 238538 | Reidland Branch | 5540 Reidland Road, Reidland, KY 42001 | Febuary 01, 1968 | Full Service Brick and Mortar | |
| 5 | 238541 | Lone Oak Branch | 2635 Lone Oak Road, Paducah, KY 42003 | November 06, 1978 | Full Service Brick and Mortar | |
| 6 | 238542 | West Park Banking Center Branch | 4575 Pecan Driive, Paducah, KY 42001 | November 02, 1996 | Full Service Brick and Mortar | |
| 9 | 522189 | Southside Banking Center | 3445 Paducah Bank Drive, Paducah, KY 42003 | August 15, 2011 | Full Service Brick and Mortar | |
| 10 | 522190 | Southside Banking Center | 3445 Paducah Bank Drive, Paducah, KY 42003 | August 15, 2011 | Full Service Brick and Mortar | |
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