The Paducah Bank and Trust Company in Paducah, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Paducah Bank and Trust Company - Overview

  • 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)

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
  • 145Total employees (full-time equivalent)
  • $534,103Total assets
  • $25,956Cash and due from depository institutions
  • $13,435Interest-bearing balances
  • $145,477Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $334,410Net loans & leases
  • $6,049Loan loss allowance
  • $0Trading account assets
  • $10,702Bank premises and fixed assets
  • $446Other real estate owned
  • $3,327Goodwill and other intangibles
  • $534,103Life insurance assets
  • $13,785All other assets
  • $472,131Total liabilities and capital
  • $423,052Total liabilities
  • $321,028Total deposits
  • $423,052Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 16499.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,334Trading liabilities
  • $0Other borrowed funds
  • $5,246Subordinated debt
  • $61,972All other liabilities
  • $61,972Total equity capital
  • $61,972Total bank equity capital
  • $0Perpetual preferred stock
  • $2,300Common stock
  • $16,033Surplus
  • $43,639Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,081Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,126Income earned, not collected on loans
  • $0Earning assets
  • $2,053Long-term assets (5+ years)
  • $493,322Average Assets, year-to-date
  • $126,489Average Assets, quarterly
  • $528,659Volatile liabilities
  • $532,584Insider loans
  • $335,394FHLB advances
  • $520,427Loans and leases held for sale
  • $7,758Unused loan commitments
  • $7,758Tier 1 (core) risk-based capital
  • $52,841Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $85,920Restructured Loans and leases
  • $2,135Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,081Total interest income
  • $2,512Total interest expense
  • $21,569Net interest income
  • $740Provision for loan and lease losses
  • $6,474Total noninterest income
  • $713Fiduciary activities
  • $1,477Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,284Additional noninterest income
  • $16,500Total noninterest expense
  • $9,986Salaries and employee benefits
  • $2,143Premises and equipment expense
  • $4,371Additional noninterest expense
  • $10,803Pre-tax net operating income
  • $171Securities gains (losses)
  • $0Applicable income taxes
  • $10,974Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,974Net income attributable to bank
  • $0Net charge-offs
  • $10,974Cash dividends
  • $655Sale, conversion, retirement of capital stock, net
  • $6,502Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 4.43%Net interest margin
  • 1.33%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 2.04%Net operating income to assets
  • 2.08%Return on assets (ROA)
  • 2.08%Pretax return on assets
  • 18.79%Return on equity (ROE)
  • 7.66%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 112.98%Credit loss provision to net charge-offs
  • 17.62%Efficiency ratio
  • 58,838Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.25%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 537.21%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 79.05%Net loans and leases to core deposits
  • 88.08%Equity capital to assets
  • 11.60%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 15.75%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $528,659Average earning assets
  • $58,394Average equity
  • $487,381Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $266,009Managed Assets
  • 1Number of Accounts
  • $264,001Personal trust and agency accounts
  • $169,140Employee benefit-defined contribution accounts
  • $8,650Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $10,350Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $73,769Fiduciary accounts held in foreign offices
  • $2,092Non-managed Assets
  • 194Number of Accounts
  • $0Personal trust and agency accounts
  • $2,711Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,008Other retirement accounts
  • $2,008Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010795The Paducah Bank And Trust Company555 Jefferson Street, Paducah, KY 42001January 24, 1948Full Service Brick and Mortar
    1238537Mid-City Branch2401 Broadway, Paducah, KY 42001July 01, 1964Full Service Brick and Mortar
    2238538Reidland Branch5540 Reidland Road, Reidland, KY 42001Febuary 01, 1968Full Service Brick and Mortar
    5238541Lone Oak Branch2635 Lone Oak Road, Paducah, KY 42003November 06, 1978Full Service Brick and Mortar
    6238542West Park Banking Center Branch4575 Pecan Driive, Paducah, KY 42001November 02, 1996Full Service Brick and Mortar
    9522189Southside Banking Center3445 Paducah Bank Drive, Paducah, KY 42003August 15, 2011Full Service Brick and Mortar
    10522190Southside Banking Center3445 Paducah Bank Drive, Paducah, KY 42003August 15, 2011Full Service Brick and Mortar

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