Peoples Bank and Trust Company of Clinton County - Overview
General
FDIC Certificate #: 58172 Status: Active Federal Reserve ID: 3335301 Bank Holding Company (Regulatory Top Holder): Employee Stock Ownership Trust Of People's Bank And Trust Company Of Pickett County (RSSDID: 1426782, Location: Byrdstown, TN) Date Established: March 20, 2006 WWW:http://www.peoplesbankalbany.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 441111 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: March 20, 2006 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: 403 North Cross Street, Albany, KY 42602 County: Clinton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas 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: $31.7 mil Equity capital: $2.8 mil Deposits held in domestic offices: $28.6 mil Return on assets (ROA): -0.57% (-$0.2 mil) Quarterly return on assets: -1.63% (-$0.5 mil) Return on Equity (ROE): -6.13% (-$0.2 mil) Quarterly return on equity: -18.00% (-$0.5 mil) Net income: -$0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.57% (-$180.8 mil) Quarterly Pretax return on assets: -1.63% (-$516.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$31,714Total assets
$3,387Cash and due from depository institutions
$208Interest-bearing balances
$939Securities
$0Federal funds sold & reverse repurchase agreements
$24,419Net loans & leases
$471Loan loss allowance
$0Trading account assets
$1,536Bank premises and fixed assets
$449Other real estate owned
$0Goodwill and other intangibles
$31,714Life insurance assets
$984All other assets
$28,891Total liabilities and capital
$28,575Total liabilities
$26,112Total deposits
$28,575Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$316Subordinated debt
$2,823All other liabilities
$2,823Total equity capital
$2,823Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$3,960Surplus
$-1,177Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,001Income earned, not collected on loans
$0Earning assets
$268Long-term assets (5+ years)
$25,566Average Assets, year-to-date
$4,782Average Assets, quarterly
$31,967Volatile liabilities
$31,920Insider loans
$23,466FHLB advances
$31,814Loans and leases held for sale
$453Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,803Tier 2 risk-based capital
$0Total risk weighted assets
$453Total unused commitments
$1,285Restructured Loans and leases
$167Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,818Total interest income
$484Total interest expense
$1,334Net interest income
$275Provision for loan and lease losses
$210Total noninterest income
$0Fiduciary activities
$183Service charges on deposit accounts
$0Trading account gains & fees
$27Additional noninterest income
$1,450Total noninterest expense
$603Salaries and employee benefits
$176Premises and equipment expense
$671Additional noninterest expense
-$181Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$181Income before extraordinary items
$0Extraordinary gains - net
-$181Net income attributable to bank
$0Net charge-offs
-$181Cash dividends
$454Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.85%Yield on earning assets
1.82%Cost of funding earning assets
5.03%Net interest margin
0.79%Noninterest income to earning assets
5.46%Noninterest expense to earning assets
-0.57%Net operating income to assets
-0.57%Return on assets (ROA)
-0.57%Pretax return on assets
-6.13%Return on equity (ROE)
-6.13%Retained earnings to average equity (YTD only)
1.74%Net charge-offs to loans
60.57%Credit loss provision to net charge-offs
0.21%Efficiency ratio
93,912Assets per employee
2.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
47.05%Noncurrent assets plus other real estate owned to assets
4.57%Noncurrent loans to loans
4.02%Net loans and leases to deposits
85.46%Net loans and leases to core deposits
96.44%Equity capital to assets
8.90%Core capital (leverage) ratio
8.81%Tier 1 risk-based capital ratio
11.94%Total risk-based capital ratio
Memoranda
$13Average assets
$31,967Average earning assets
$2,954Average equity
$26,533Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
441111
Peoples Bank And Trust Company Of Cl
403 North Cross Street, Albany, KY 42602
March 20, 2006
Full Service Brick and Mortar
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