The Peoples Bank in Taylorsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Peoples Bank in Taylorsville, Kentucky (KY)
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The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 1566
    Status: Active
    Federal Reserve ID: 76443
    Bank Holding Company (Regulatory Top Holder): Lake Valley Bancorp, Inc. (RSSDID: 1119253, Location: Taylorsville, KY)
    Date Established: Febuary 03, 1903
    WWW: http://www.tpbtaylorsville.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9137
    FDIC's unique #: 1029
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 23 West Main Street, Taylorsville, KY 40071
    County: Spencer
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $110.0 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $89.1 mil
    Return on assets (ROA): 1.59% ($1.7 mil)
    Quarterly return on assets: 1.39% ($1.5 mil)
    Return on Equity (ROE): 13.27% ($1.7 mil)
    Quarterly return on equity: 11.28% ($1.5 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.59% ($1,749.3 mil)
    Quarterly Pretax return on assets: 1.39% ($1,529.2 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
  • 28Total employees (full-time equivalent)
  • $110,016Total assets
  • $5,360Cash and due from depository institutions
  • $1,616Interest-bearing balances
  • $23,275Securities
  • $10,402Federal funds sold & reverse repurchase agreements
  • $65,049Net loans & leases
  • $1,243Loan loss allowance
  • $0Trading account assets
  • $946Bank premises and fixed assets
  • $2,422Other real estate owned
  • $185Goodwill and other intangibles
  • $110,016Life insurance assets
  • $2,377All other assets
  • $96,819Total liabilities and capital
  • $89,096Total liabilities
  • $74,512Total deposits
  • $89,096Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,269Trading liabilities
  • $0Other borrowed funds
  • $454Subordinated debt
  • $13,197All other liabilities
  • $13,197Total equity capital
  • $13,197Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $5,850Surplus
  • $7,197Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,709Income earned, not collected on loans
  • $0Earning assets
  • $734Long-term assets (5+ years)
  • $100,342Average Assets, year-to-date
  • $33,010Average Assets, quarterly
  • $106,143Volatile liabilities
  • $107,361Insider loans
  • $65,499FHLB advances
  • $107,700Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,861Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,508Restructured Loans and leases
  • $681Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,286Total interest income
  • $1,115Total interest expense
  • $4,171Net interest income
  • $555Provision for loan and lease losses
  • $858Total noninterest income
  • $0Fiduciary activities
  • $439Service charges on deposit accounts
  • $0Trading account gains & fees
  • $419Additional noninterest income
  • $2,783Total noninterest expense
  • $1,350Salaries and employee benefits
  • $227Premises and equipment expense
  • $1,206Additional noninterest expense
  • $1,691Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $1,692Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,692Net income attributable to bank
  • $0Net charge-offs
  • $1,692Cash dividends
  • $783Sale, conversion, retirement of capital stock, net
  • $1,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 13.27%Return on equity (ROE)
  • 0.72%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 70.88%Credit loss provision to net charge-offs
  • 2.87%Efficiency ratio
  • 55,339Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.56%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 26.40%Noncurrent assets plus other real estate owned to assets
  • 6.48%Noncurrent loans to loans
  • 7.10%Net loans and leases to deposits
  • 73.01%Net loans and leases to core deposits
  • 77.15%Equity capital to assets
  • 12.00%Core capital (leverage) ratio
  • 11.01%Tier 1 risk-based capital ratio
  • 18.11%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $106,143Average earning assets
  • $12,752Average equity
  • $96,972Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01029The Peoples Bank23 West Main Street, Taylorsville, KY 40071Febuary 03, 1903Full Service Brick and Mortar
    2189824Elk Creek Branch5511 Taylorsville Road, Fisherville, KY 40023November 30, 1998Full Service Brick and Mortar

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