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

The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 5847
    Status: Active
    Federal Reserve ID: 271341
    Bank Holding Company (Regulatory Top Holder): Crossroads Bancorp, Inc. (RSSDID: 1099999, Location: Mount Washington, KY)
    Date Established: January 01, 1909
    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 #: 8844
    FDIC's unique #: 3997
    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 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 North Bardstown Road, Mount Washington, KY 40047
    County: Bullitt
    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
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    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
  • Change in Location
  • Financial Summary
  • Total assets: $84.6 mil
    Equity capital: $9.4 mil
    Deposits held in domestic offices: $74.3 mil
    Return on assets (ROA): -2.40% (-$2.0 mil)
    Quarterly return on assets: -9.80% (-$8.3 mil)
    Return on Equity (ROE): -18.90% (-$1.7 mil)
    Quarterly return on equity: -80.30% (-$7.2 mil)
    Net income: -$2.1 mil
    Quarterly Net income: -$2.1 mil
    Pretax return on assets: -2.40% (-$2,029.7 mil)
    Quarterly Pretax return on assets: -9.80% (-$8,288.0 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
  • 24Total employees (full-time equivalent)
  • $84,571Total assets
  • $5,301Cash and due from depository institutions
  • $171Interest-bearing balances
  • $13,867Securities
  • $6,859Federal funds sold & reverse repurchase agreements
  • $50,945Net loans & leases
  • $1,483Loan loss allowance
  • $0Trading account assets
  • $2,081Bank premises and fixed assets
  • $2,411Other real estate owned
  • $402Goodwill and other intangibles
  • $84,571Life insurance assets
  • $2,705All other assets
  • $75,138Total liabilities and capital
  • $74,281Total liabilities
  • $60,916Total deposits
  • $74,281Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $645Trading liabilities
  • $0Other borrowed funds
  • $212Subordinated debt
  • $9,433All other liabilities
  • $9,433Total equity capital
  • $9,433Total bank equity capital
  • $0Perpetual preferred stock
  • $271Common stock
  • $6,400Surplus
  • $2,762Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,380Income earned, not collected on loans
  • $182Earning assets
  • $299Long-term assets (5+ years)
  • $71,842Average Assets, year-to-date
  • $24,424Average Assets, quarterly
  • $86,987Volatile liabilities
  • $86,137Insider loans
  • $58,296FHLB advances
  • $85,771Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,627Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,380Restructured Loans and leases
  • $287Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,626Total interest income
  • $916Total interest expense
  • $2,710Net interest income
  • $1,740Provision for loan and lease losses
  • $67Total noninterest income
  • $0Fiduciary activities
  • $372Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$305Additional noninterest income
  • $3,129Total noninterest expense
  • $1,324Salaries and employee benefits
  • $405Premises and equipment expense
  • $1,400Additional noninterest expense
  • -$2,092Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$2,092Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,092Net income attributable to bank
  • $0Net charge-offs
  • -$2,092Cash dividends
  • $1,491Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 4.27%Noninterest expense to earning assets
  • -2.40%Net operating income to assets
  • -2.40%Return on assets (ROA)
  • -2.40%Pretax return on assets
  • -18.90%Return on equity (ROE)
  • -20.70%Retained earnings to average equity (YTD only)
  • 2.68%Net charge-offs to loans
  • 116.70%Credit loss provision to net charge-offs
  • -0.24%Efficiency ratio
  • 112,676Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -9.56%Loss allowance to loans
  • 2.83%Loss allowance to noncurrent loans
  • 33.86%Noncurrent assets plus other real estate owned to assets
  • 8.03%Noncurrent loans to loans
  • 8.35%Net loans and leases to deposits
  • 68.58%Net loans and leases to core deposits
  • 69.62%Equity capital to assets
  • 11.15%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 14.80%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $86,987Average earning assets
  • $11,070Average equity
  • $73,278Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03997The Peoples Bank201 North Bardstown Road, Mount Washington, KY 40047January 01, 1909Full Service Brick and Mortar
    2358958Mount Washington Drive In Branch415 Oakbrooke Drive, Mount Washington, KY 40047March 13, 2000Full Service Brick and Mortar

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