The Peoples Bank of Bullitt County in Shepherdsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Peoples Bank of Bullitt County - Overview

  • General
  • FDIC Certificate #: 1884
    Status: Active
    Federal Reserve ID: 68345
    Bank Holding Company (Regulatory Top Holder): Peoples Bancorp Inc. Of Bullitt County (RSSDID: 1823587, Location: Shepherdsville, KY)
    Date Established: January 01, 1900
    WWW: http://www.pbofbc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 1257
    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: No
    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: 1612 Highway 44 East, Shepherdsville, KY 40165
    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
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $214.9 mil
    Equity capital: $30.1 mil
    Deposits held in domestic offices: $183.9 mil
    Return on assets (ROA): 0.70% ($1.5 mil)
    Quarterly return on assets: 0.66% ($1.4 mil)
    Return on Equity (ROE): 5.13% ($1.5 mil)
    Quarterly return on equity: 4.69% ($1.4 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.96% ($2,062.8 mil)
    Quarterly Pretax return on assets: 0.63% ($1,353.7 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
  • 56Total employees (full-time equivalent)
  • $214,877Total assets
  • $3,864Cash and due from depository institutions
  • $117Interest-bearing balances
  • $111,775Securities
  • $3,552Federal funds sold & reverse repurchase agreements
  • $88,895Net loans & leases
  • $1,732Loan loss allowance
  • $0Trading account assets
  • $2,759Bank premises and fixed assets
  • $131Other real estate owned
  • $0Goodwill and other intangibles
  • $214,877Life insurance assets
  • $3,901All other assets
  • $184,769Total liabilities and capital
  • $183,949Total liabilities
  • $152,366Total deposits
  • $183,949Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $820Subordinated debt
  • $30,108All other liabilities
  • $30,108Total equity capital
  • $30,108Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $23,300Surplus
  • $6,688Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,568Income earned, not collected on loans
  • $0Earning assets
  • $1,432Long-term assets (5+ years)
  • $204,339Average Assets, year-to-date
  • $133,341Average Assets, quarterly
  • $218,392Volatile liabilities
  • $216,057Insider loans
  • $109,028FHLB advances
  • $219,379Loans and leases held for sale
  • $636Unused loan commitments
  • $636Tier 1 (core) risk-based capital
  • $29,618Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,322Restructured Loans and leases
  • $2,285Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,550Total interest income
  • $2,615Total interest expense
  • $7,935Net interest income
  • $617Provision for loan and lease losses
  • $890Total noninterest income
  • $0Fiduciary activities
  • $465Service charges on deposit accounts
  • $0Trading account gains & fees
  • $425Additional noninterest income
  • $6,319Total noninterest expense
  • $3,955Salaries and employee benefits
  • $551Premises and equipment expense
  • $1,813Additional noninterest expense
  • $1,889Pre-tax net operating income
  • $203Securities gains (losses)
  • $574Applicable income taxes
  • $1,518Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,518Net income attributable to bank
  • $0Net charge-offs
  • $1,518Cash dividends
  • $581Sale, conversion, retirement of capital stock, net
  • $985Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 5.13%Return on equity (ROE)
  • 1.80%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 106.20%Credit loss provision to net charge-offs
  • 4.31%Efficiency ratio
  • 71,603Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.89%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 14.97%Noncurrent assets plus other real estate owned to assets
  • 5.44%Noncurrent loans to loans
  • 12.76%Net loans and leases to deposits
  • 48.33%Net loans and leases to core deposits
  • 49.14%Equity capital to assets
  • 14.01%Core capital (leverage) ratio
  • 13.50%Tier 1 risk-based capital ratio
  • 27.17%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $218,392Average earning assets
  • $29,597Average equity
  • $206,807Average loans

List of branches

  • 5 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01257The Peoples Bank Of Bullitt County1612 Highway 44 East, Shepherdsville, KY 40165January 01, 1900Full Service Brick and Mortar
    1190251Lebanon Junction Branch140 South Poplar Street, Lebanon Junction, KY 40150April 30, 1949Full Service Brick and Mortar
    3190253Buckman Street Branch130 South Buckman, Shepherdsville, KY 40165May 19, 1980Limited Service Facility
    4190254Mount Washington Branch100 South Bardstown Road, Mount Washington, KY 40047September 22, 1986Full Service Brick and Mortar
    5190255John Harper Highway Branch550 John Harper Highway, Shepherdsville, KY 40165November 29, 1999Full Service Brick and Mortar

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