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


The Peoples Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.thepeoplesbank-ky.com
    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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total 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
  • 16Total employees (full-time equivalent)
  • $35,622Total assets
  • $2,090Cash and due from depository institutions
  • $1,153Interest-bearing balances
  • $4,056Securities
  • $1,388Federal funds sold & reverse repurchase agreements
  • $25,621Net loans & leases
  • $396Loan loss allowance
  • $0Trading account assets
  • $806Bank premises and fixed assets
  • $372Other real estate owned
  • $0Goodwill and other intangibles
  • $35,622Life insurance assets
  • $1,289All other assets
  • $32,710Total liabilities and capital
  • $30,047Total liabilities
  • $26,071Total deposits
  • $30,047Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,597Trading liabilities
  • $0Other borrowed funds
  • $66Subordinated debt
  • $2,912All other liabilities
  • $2,912Total equity capital
  • $2,912Total bank equity capital
  • $0Perpetual preferred stock
  • $460Common stock
  • $1,185Surplus
  • $1,267Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $659Income earned, not collected on loans
  • $0Earning assets
  • $141Long-term assets (5+ years)
  • $32,218Average Assets, year-to-date
  • $13,027Average Assets, quarterly
  • $35,428Volatile liabilities
  • $35,289Insider loans
  • $26,008FHLB advances
  • $35,500Loans and leases held for sale
  • $852Unused loan commitments
  • $852Tier 1 (core) risk-based capital
  • $2,902Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,746Restructured Loans and leases
  • $847Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,904Total interest income
  • $498Total interest expense
  • $1,406Net interest income
  • $193Provision for loan and lease losses
  • $276Total noninterest income
  • $0Fiduciary activities
  • $165Service charges on deposit accounts
  • $0Trading account gains & fees
  • $111Additional noninterest income
  • $1,382Total noninterest expense
  • $601Salaries and employee benefits
  • $178Premises and equipment expense
  • $603Additional noninterest expense
  • $107Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $107Income before extraordinary items
  • $0Extraordinary gains - net
  • $107Net income attributable to bank
  • $0Net charge-offs
  • $107Cash dividends
  • $79Sale, conversion, retirement of capital stock, net
  • $80Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.93%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 4.30%Noninterest expense to earning assets
  • 0.30%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 3.76%Return on equity (ROE)
  • 0.95%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 244.30%Credit loss provision to net charge-offs
  • 3.80%Efficiency ratio
  • 82,164Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.77%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 60.09%Noncurrent assets plus other real estate owned to assets
  • 2.89%Noncurrent loans to loans
  • 2.53%Net loans and leases to deposits
  • 85.27%Net loans and leases to core deposits
  • 86.75%Equity capital to assets
  • 8.17%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 11.16%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $35,428Average earning assets
  • $2,846Average equity
  • $32,122Average loans

List of branches

  • 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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