Peoples Bank & Trust Company of Hazard in city_name, state_name

Peoples Bank & Trust Company of Hazard in Hazard, Kentucky (KY)
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Peoples Bank & Trust Company of Hazard routing number info

Peoples Bank & Trust Company of Hazard - Overview

General
FDIC Certificate #: 8117
Status: Active
Federal Reserve ID: 814711
Bank Holding Company (Regulatory Top Holder): Hazard Bancorp (RSSDID: 1357082, Location: Hazard, KY)
Date Established: March 19, 1923
WWW: http://www.peopleshazard.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 10834
FDIC's unique #: 5166
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: January 01, 1934
Last Structure Change Effective Date: June 19, 2009
Last Structure Change Process Date: June 25, 2009
Last Data Update: June 25, 2009
Data Source Date: April 05, 2012
Location
Address: 524 Main Street, Hazard, KY 41701
County: Perry
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Lexington
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
History of Changes
Institution Becomes a Member of FRS (Federal Reserve System)
Change in Location
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $287.1 mil
Equity capital: $26.4 mil
Deposits held in domestic offices: $250.1 mil
Return on assets (ROA): 0.91% ($2.6 mil)
Quarterly return on assets: 0.78% ($2.2 mil)
Return on Equity (ROE): 10.01% ($2.6 mil)
Quarterly return on equity: 8.39% ($2.2 mil)
Net income: $2.6 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 0.91% ($2,612.7 mil)
Quarterly Pretax return on assets: 0.78% ($2,239.5 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
81Total employees (full-time equivalent)
$287,115Total assets
$34,316Cash and due from depository institutions
$24,553Interest-bearing balances
$17,850Securities
$2,000Federal funds sold & reverse repurchase agreements
$212,917Net loans & leases
$1,825Loan loss allowance
$0Trading account assets
$6,348Bank premises and fixed assets
$1,704Other real estate owned
$1,645Goodwill and other intangibles
$287,115Life insurance assets
$10,335All other assets
$260,739Total liabilities and capital
$250,112Total liabilities
$204,719Total deposits
$250,112Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,140Trading liabilities
$0Other borrowed funds
$487Subordinated debt
$26,376All other liabilities
$26,376Total equity capital
$26,376Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$23,700Surplus
$2,176Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,443Income earned, not collected on loans
$0Earning assets
$1,158Long-term assets (5+ years)
$257,320Average Assets, year-to-date
$120,002Average Assets, quarterly
$285,122Volatile liabilities
$285,240Insider loans
$205,018FHLB advances
$284,053Loans and leases held for sale
$6,139Unused loan commitments
$6,139Tier 1 (core) risk-based capital
$24,532Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,538Restructured Loans and leases
$9,088Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$13,733Total interest income
$3,265Total interest expense
$10,468Net interest income
$761Provision for loan and lease losses
$1,629Total noninterest income
$41Fiduciary activities
$983Service charges on deposit accounts
$0Trading account gains & fees
$605Additional noninterest income
$8,733Total noninterest expense
$4,041Salaries and employee benefits
$2,436Premises and equipment expense
$2,256Additional noninterest expense
$2,603Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,603Income before extraordinary items
$0Extraordinary gains - net
$2,603Net income attributable to bank
$0Net charge-offs
$2,603Cash dividends
$878Sale, conversion, retirement of capital stock, net
$2,050Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.35%Yield on earning assets
1.27%Cost of funding earning assets
4.08%Net interest margin
0.63%Noninterest income to earning assets
3.40%Noninterest expense to earning assets
0.91%Net operating income to assets
0.91%Return on assets (ROA)
0.91%Pretax return on assets
10.01%Return on equity (ROE)
2.13%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
86.67%Credit loss provision to net charge-offs
3.83%Efficiency ratio
72,191Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
78.76%Loss allowance to loans
0.85%Loss allowance to noncurrent loans
53.01%Noncurrent assets plus other real estate owned to assets
1.79%Noncurrent loans to loans
1.60%Net loans and leases to deposits
85.13%Net loans and leases to core deposits
91.39%Equity capital to assets
9.19%Core capital (leverage) ratio
8.64%Tier 1 risk-based capital ratio
11.97%Total risk-based capital ratio
Memoranda
$13Average assets
$285,122Average earning assets
$25,999Average equity
$256,720Average 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
$26,547Managed Assets
1Number of Accounts
$4,614Personal trust and agency accounts
$4,584Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$30Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
31Number of Accounts
$0Personal trust and agency accounts
$30Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$21,933Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

7 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5166	Peoples Bank & Trust Company Of Haza	524 Main Street, Hazard, KY 41701	March 19, 1923	Full Service Brick and Mortar
1	217941	East Main Street Branch	405 East Main Street, Hazard, KY 41701	May 22, 1974	Full Service Brick and Mortar
2	217942	Airport Gardens Branch	R. R. 3, Hazard, KY 41701	September 22, 1978	Full Service Brick and Mortar
3	217943	Vicco Branch	Main And Montgomery Streets, Vicco, KY 41773	July 05, 1979	Full Service Brick and Mortar
4	217944	Daniel Boone Branch	2 Rockwood Lane, Hazard, KY 41701	April 20, 1987	Full Service Brick and Mortar
5	419936	Peoples Express Bank & Merchant Cent	131 Citizens Lane, Hazard, KY 41702	June 30, 2003	Full Service Cyber
6	430218	Wal-Mart Branch	Daniel Boone Plaza, Hazard, KY 41701	April 15, 2004	Full Service Brick and Mortar

Peoples Bank & Trust Company of Hazard in Hazard, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank & Trust Company of Hazard - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Peoples Bank & Trust Company of Hazard in Hazard, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank & Trust Company of Hazard - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Peoples Bank & Trust Company of Hazard in Hazard, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches