The Peoples Bank of Bullitt County in Shepherdsville, Kentucky (KY)



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The Peoples Bank of Bullitt County routing number info

Table of contents:
The Peoples Bank of Bullitt County
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)56
Total assets$214,877
Cash and due from depository institutions$3,864
Interest-bearing balances$117
Securities$111,775
Federal funds sold & reverse repurchase agreements$3,552
Net loans & leases$88,895
Loan loss allowance $1,732
Trading account assets$0
Bank premises and fixed assets$2,759
Other real estate owned$131
Goodwill and other intangibles$0
All other assets$3,901
Life insurance assets$214,877
Total liabilities and capital$184,769
Total liabilities$183,949
Total deposits$152,366
Interest-bearing deposits$183,949
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $820
All other liabilities $30,108
Total equity capital$30,108
Total bank equity capital$30,108
Perpetual preferred stock$0
Common stock$120
Surplus$23,300
Undivided profits $6,688
Memoranda
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 $11,568
Earning assets $0
Long-term assets (5+ years) $1,432
Average Assets, year-to-date $204,339
Average Assets, quarterly $133,341
Volatile liabilities $218,392
Insider loans $216,057
FHLB advances $109,028
Loans and leases held for sale $219,379
Unused loan commitments $636
Tier 1 (core) risk-based capital $636
Tier 2 risk-based capital $29,618
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,322
Derivatives$2,285
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,550
Total interest expense $2,615
Net interest income $7,935
Provision for loan and lease losses $617
Total noninterest income $890
Fiduciary activities $0
Service charges on deposit accounts $465
Trading account gains & fees $0
Additional noninterest income $425
Total noninterest expense $6,319
Salaries and employee benefits $3,955
Premises and equipment expense $551
Additional noninterest expense $1,813
Pre-tax net operating income $1,889
Securities gains (losses) $203
Applicable income taxes $574
Income before extraordinary items $1,518
Extraordinary gains - net $0
Net income attributable to bank $1,518
Net charge-offs $0
Cash dividends $1,518
Sale, conversion, retirement of capital stock, net $581
Net operating income $985
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.10%
Cost of funding earning assets 1.26%
Net interest margin 3.84%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 3.06%
Net operating income to assets 0.63%
Return on assets (ROA) 0.70%
Pretax return on assets 0.96%
Return on equity (ROE) 5.13%
Retained earnings to average equity (YTD only) 1.80%
Net charge-offs to loans 0.60%
Credit loss provision to net charge-offs 106.20%
Efficiency ratio4.31%
Assets per employee$71,603
Cash dividends to net income (YTD only)3.84%
Condition Ratios (%)
Loss allowance to loans 64.89%
Loss allowance to noncurrent loans 1.91%
Noncurrent assets plus other real estate owned to assets 14.97%
Noncurrent loans to loans 5.44%
Net loans and leases to deposits12.76%
Net loans and leases to core deposits 48.33%
Equity capital to assets 49.14%
Core capital (leverage) ratio 14.01%
Tier 1 risk-based capital ratio 13.50%
Total risk-based capital ratio 27.17%
Memoranda
Average assets$28
Average earning assets$218,392
Average equity $29,597
Average loans $206,807
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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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