FDIC Certificate #: 8129 Status: Active Federal Reserve ID: 282048 Bank Holding Company (Regulatory Top Holder): Owenton Bancorp, Inc. (RSSDID: 1096420, Location: Owenton, KY) Date Established: January 01, 1902 WWW:http://www.peoplesowenton.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11241 FDIC's unique #: 5177 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization 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: 101 North Main Street, Owenton, KY 40359 County: Owen 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $70.7 mil Equity capital: $7.7 mil Deposits held in domestic offices: $58.9 mil Return on assets (ROA): 1.42% ($1.0 mil) Quarterly return on assets: -0.23% (-$0.2 mil) Return on Equity (ROE): 12.29% ($1.0 mil) Quarterly return on equity: -2.01% (-$0.2 mil) Net income: $1.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 1.42% ($1,004.4 mil) Quarterly Pretax return on assets: -0.23% (-$162.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$70,733Total assets
$3,189Cash and due from depository institutions
$1,303Interest-bearing balances
$16,203Securities
$5,913Federal funds sold & reverse repurchase agreements
$39,837Net loans & leases
$812Loan loss allowance
$0Trading account assets
$373Bank premises and fixed assets
$101Other real estate owned
$0Goodwill and other intangibles
$70,733Life insurance assets
$5,117All other assets
$62,991Total liabilities and capital
$58,884Total liabilities
$49,561Total deposits
$58,884Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$2,107Subordinated debt
$7,742All other liabilities
$7,742Total equity capital
$7,742Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$4,700Surplus
$2,742Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,468Income earned, not collected on loans
$0Earning assets
$566Long-term assets (5+ years)
$63,256Average Assets, year-to-date
$1,775Average Assets, quarterly
$71,220Volatile liabilities
$69,992Insider loans
$55,376FHLB advances
$71,383Loans and leases held for sale
$3,099Unused loan commitments
$3,099Tier 1 (core) risk-based capital
$10,972Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,250Restructured Loans and leases
$319Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,052Total interest income
$863Total interest expense
$3,189Net interest income
$146Provision for loan and lease losses
$395Total noninterest income
$1Fiduciary activities
$274Service charges on deposit accounts
$0Trading account gains & fees
$120Additional noninterest income
$2,281Total noninterest expense
$1,352Salaries and employee benefits
$174Premises and equipment expense
$755Additional noninterest expense
$1,157Pre-tax net operating income
-$143Securities gains (losses)
$0Applicable income taxes
$1,014Income before extraordinary items
$0Extraordinary gains - net
$1,014Net income attributable to bank
$0Net charge-offs
$1,014Cash dividends
$73Sale, conversion, retirement of capital stock, net
$375Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.32%Yield on earning assets
1.35%Cost of funding earning assets
4.98%Net interest margin
0.62%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
1.62%Net operating income to assets
1.42%Return on assets (ROA)
1.42%Pretax return on assets
12.29%Return on equity (ROE)
7.75%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
200.00%Credit loss provision to net charge-offs
17.85%Efficiency ratio
63,644Assets per employee
3.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.98%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
55.31%Noncurrent assets plus other real estate owned to assets
20.14%Noncurrent loans to loans
3.61%Net loans and leases to deposits
67.65%Net loans and leases to core deposits
73.14%Equity capital to assets
10.95%Core capital (leverage) ratio
15.37%Tier 1 risk-based capital ratio
19.81%Total risk-based capital ratio
Memoranda
$21Average assets
$71,220Average earning assets
$8,247Average equity
$64,065Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$889Managed Assets
1Number of Accounts
$889Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$889Non-managed Assets
29Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5177
Peoples Bank & Trust Company
101 North Main Street, Owenton, KY 40359
January 01, 1902
Full Service Brick and Mortar
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