PEOPLES FIRST BANK in Elkhart, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 14, 2000

  • PEOPLES FIRST BANK in Elkhart, Kansas (KS)
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  • General
  • FDIC Certificate #: 17608
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Gold BANK (#413)
    Federal Reserve ID: 795052
    Date Established: July 20, 1915
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 11579
    Numeric code: 13
    Regulator: FED
    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: May 24, 1956
    Last Structure Change Effective Date: June 14, 2000
    Last Structure Change Process Date: June 08, 2000
    Last Data Update: June 08, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Elkhart, KS 67950
    County: Morton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $32.0 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $33,498Total assets
  • $4,282Cash and due from depository institutions
  • $1,775Interest-bearing balances
  • $16,496Securities
  • $1,290Federal funds sold & reverse repurchase agreements
  • $9,452Net loans & leases
  • $200Loan loss allowance
  • $0Trading account assets
  • $380Bank premises and fixed assets
  • $0Other real estate owned
  • $1,218Goodwill and other intangibles
  • $0Life insurance assets
  • $380All other assets
  • $33,498Total liabilities and capital
  • $29,285Total liabilities
  • $29,106Total deposits
  • $25,218Interest-bearing deposits
  • $29,106Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $16Other borrowed funds
  • $0Subordinated debt
  • $163All other liabilities
  • $4,213Total equity capital
  • $4,213Total bank equity capital
  • $4,213Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $3,914Undivided profits
  • Memoranda
  • $-1Noncurrent loans and leases
  • $2,079Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $97Earning assets
  • $0Long-term assets (5+ years)
  • $180Average Assets, year-to-date
  • $29,013Average Assets, quarterly
  • $12,225Volatile liabilities
  • $33,829Insider loans
  • $32,463FHLB advances
  • $5,332Loans and leases held for sale
  • $42Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,079Total unused commitments
  • $0Restructured Loans and leases
  • $153Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $2,115Total interest income
  • $1,054Total interest expense
  • $1,061Net interest income
  • $24Provision for loan and lease losses
  • $230Total noninterest income
  • $0Fiduciary activities
  • $172Service charges on deposit accounts
  • $0Trading account gains & fees
  • $58Additional noninterest income
  • $618Total noninterest expense
  • $241Salaries and employee benefits
  • $72Premises and equipment expense
  • $305Additional noninterest expense
  • $649Pre-tax net operating income
  • $0Securities gains (losses)
  • $235Applicable income taxes
  • $414Income before extraordinary items
  • $0Extraordinary gains - net
  • $414Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $19Sale, conversion, retirement of capital stock, net
  • $350Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.01%Yield on earning assets
  • 3.49%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 2.05%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.92%Pretax return on assets
  • 9.47%Return on equity (ROE)
  • 1.46%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 126.32%Credit loss provision to net charge-offs
  • 35.42%Efficiency ratio
  • 40,821Assets per employee
  • 4.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.54%Loss allowance to loans
  • 2.07%Loss allowance to noncurrent loans
  • 206.19%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 32.47%Net loans and leases to core deposits
  • 39.73%Equity capital to assets
  • 12.58%Core capital (leverage) ratio
  • 10.33%Tier 1 risk-based capital ratio
  • 27.05%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $33,829Average earning assets
  • $4,371Average equity
  • $30,165Average loans

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