The Peoples Bank in Marion, Kentucky (KY)

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The Peoples Bank
GeneralFDIC Certificate #: 16603
Status: Active
Federal Reserve ID: 446149
Bank Holding Company (Regulatory Top Holder): Peoples-Marion Bancorp, Inc. (RSSDID: 2574886, Location: Marion, KY)
Date Established: October 01, 1946
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 10745
Numeric code: 13
Regulator: FED
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: July 25, 1947
Last Structure Change Effective Date: April 14, 2008
Last Structure Change Process Date: April 16, 2008
Last Data Update: April 16, 2008
Data Source Date: April 05, 2012
LocationAddress: 116 South Main, Marion, KY 42064
County: Crittenden
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
History of ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial SummaryTotal assets: $35.6 mil
Equity capital: $2.9 mil
Deposits held in domestic offices: $30.0 mil
Return on assets (ROA): 0.30% ($0.1 mil)
Quarterly return on assets: -0.16% (-$0.1 mil)
Return on Equity (ROE): 3.76% ($0.1 mil)
Quarterly return on equity: -1.93% (-$0.1 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.30% ($106.9 mil)
Quarterly Pretax return on assets: -0.16% (-$57.0 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)
Total employees (full-time equivalent)16
Total assets$35,622
Cash and due from depository institutions$2,090
Interest-bearing balances$1,153
Federal funds sold & reverse repurchase agreements$1,388
Net loans & leases$25,621
Loan loss allowance $396
Trading account assets$0
Bank premises and fixed assets$806
Other real estate owned$372
Goodwill and other intangibles$0
All other assets$1,289
Life insurance assets$35,622
Total liabilities and capital$32,710
Total liabilities$30,047
Total deposits$26,071
Interest-bearing deposits$30,047
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,597
Other borrowed funds $0
Subordinated debt $66
All other liabilities $2,912
Total equity capital$2,912
Total bank equity capital$2,912
Perpetual preferred stock$0
Common stock$460
Undivided profits $1,267
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $659
Earning assets $0
Long-term assets (5+ years) $141
Average Assets, year-to-date $32,218
Average Assets, quarterly $13,027
Volatile liabilities $35,428
Insider loans $35,289
FHLB advances $26,008
Loans and leases held for sale $35,500
Unused loan commitments $852
Tier 1 (core) risk-based capital $852
Tier 2 risk-based capital $2,902
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,746
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,904
Total interest expense $498
Net interest income $1,406
Provision for loan and lease losses $193
Total noninterest income $276
Fiduciary activities $0
Service charges on deposit accounts $165
Trading account gains & fees $0
Additional noninterest income $111
Total noninterest expense $1,382
Salaries and employee benefits $601
Premises and equipment expense $178
Additional noninterest expense $603
Pre-tax net operating income $107
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $107
Extraordinary gains - net $0
Net income attributable to bank $107
Net charge-offs $0
Cash dividends $107
Sale, conversion, retirement of capital stock, net $79
Net operating income $80
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.93%
Cost of funding earning assets 1.55%
Net interest margin 4.38%
Noninterest income to earning assets 0.86%
Noninterest expense to earning assets 4.30%
Net operating income to assets 0.30%
Return on assets (ROA) 0.30%
Pretax return on assets 0.30%
Return on equity (ROE) 3.76%
Retained earnings to average equity (YTD only) 0.95%
Net charge-offs to loans 0.30%
Credit loss provision to net charge-offs 244.30%
Efficiency ratio3.80%
Assets per employee$82,164
Cash dividends to net income (YTD only)2.23%
Condition Ratios (%)
Loss allowance to loans 74.77%
Loss allowance to noncurrent loans 1.52%
Noncurrent assets plus other real estate owned to assets 60.09%
Noncurrent loans to loans 2.89%
Net loans and leases to deposits2.53%
Net loans and leases to core deposits 85.27%
Equity capital to assets 86.75%
Core capital (leverage) ratio 8.17%
Tier 1 risk-based capital ratio 8.17%
Total risk-based capital ratio 11.16%
Average assets$12
Average earning assets$35,428
Average equity $2,846
Average loans $32,122
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3 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010745The Peoples Bank116 South Main, Marion, KY 42064October 01, 1946Full Service Brick and Mortar
1238438Marion Commons Branch326 South Main Street, Marion, KY 42064November 01, 1974Limited Service Facility
2511156The Peoples Bank Glasgow Office605c Happy Valley Rd, Glasgow, KY 42141July 26, 2010Full Service Brick and Mortar
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