The Peoples State Bank in Hodgenville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 14, 2003

  • The Peoples State Bank in Hodgenville, Kentucky (KY)
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The Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 22799
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens Union Bank of Shelbyville (#5840)
    Federal Reserve ID: 557045
    Date Established: Febuary 03, 1979
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 12583
    FDIC's unique #: 15922
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 03, 1979
    Last Structure Change Effective Date: June 14, 2003
    Last Structure Change Process Date: June 23, 2003
    Last Data Update: June 23, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: South Lincoln Boulevard, Hodgenville, KY 42748
    County: Larue
    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
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Elizabethtown, KY (#21060)
    CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
  • Financial Summary
  • Total assets: $68.7 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, 2002)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $69,467Total assets
  • $3,034Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,950Securities
  • $5,151Federal funds sold & reverse repurchase agreements
  • $51,642Net loans & leases
  • $1,523Loan loss allowance
  • $0Trading account assets
  • $793Bank premises and fixed assets
  • $47Other real estate owned
  • $1,240Goodwill and other intangibles
  • $0Life insurance assets
  • $1,610All other assets
  • $69,467Total liabilities and capital
  • $64,379Total liabilities
  • $50,145Total deposits
  • $44,167Interest-bearing deposits
  • $50,145Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $14,000Other borrowed funds
  • $0Subordinated debt
  • $234All other liabilities
  • $5,088Total equity capital
  • $5,088Total bank equity capital
  • $5,088Perpetual preferred stock
  • $0Common stock
  • $440Surplus
  • $5,560Undivided profits
  • Memoranda
  • $-912Noncurrent loans and leases
  • $2,207Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,308Earning assets
  • $0Long-term assets (5+ years)
  • $652Average Assets, year-to-date
  • $62,743Average Assets, quarterly
  • $8,907Volatile liabilities
  • $73,746Insider loans
  • $69,535FHLB advances
  • $11,641Loans and leases held for sale
  • $124Unused loan commitments
  • $14,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,207Total unused commitments
  • $0Restructured Loans and leases
  • $555Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $5,361Total interest income
  • $2,770Total interest expense
  • $2,591Net interest income
  • $500Provision for loan and lease losses
  • $386Total noninterest income
  • $0Fiduciary activities
  • $320Service charges on deposit accounts
  • $0Trading account gains & fees
  • $66Additional noninterest income
  • $2,150Total noninterest expense
  • $1,140Salaries and employee benefits
  • $227Premises and equipment expense
  • $783Additional noninterest expense
  • $327Pre-tax net operating income
  • -$9Securities gains (losses)
  • $0Applicable income taxes
  • $318Income before extraordinary items
  • $0Extraordinary gains - net
  • $318Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $804Sale, conversion, retirement of capital stock, net
  • $208Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.94%Yield on earning assets
  • 4.10%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 6.38%Return on equity (ROE)
  • 2.21%Retained earnings to average equity (YTD only)
  • 1.41%Net charge-offs to loans
  • 62.19%Credit loss provision to net charge-offs
  • 1.03%Efficiency ratio
  • 72,220Assets per employee
  • 2.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.41%Loss allowance to loans
  • 2.86%Loss allowance to noncurrent loans
  • 46.04%Noncurrent assets plus other real estate owned to assets
  • 4.83%Noncurrent loans to loans
  • 6.22%Net loans and leases to deposits
  • 102.99%Net loans and leases to core deposits
  • 134.12%Equity capital to assets
  • 7.32%Core capital (leverage) ratio
  • 5.59%Tier 1 risk-based capital ratio
  • 8.79%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $73,746Average earning assets
  • $4,986Average equity
  • $67,545Average loans

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