Peoples Bank in Coldwater, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank - Overview

  • General
  • FDIC Certificate #: 14636
    Status: Active
    Federal Reserve ID: 723756
    Bank Holding Company (Regulatory Top Holder): Stockgrowers State Bank Employee Stock Ownership Plan (RSSDID: 3343070, Location: Ashland, KS)
    Date Established: December 05, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9151
    Numeric code: 13
    Regulator: FED
    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: August 06, 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 East Main Street, Coldwater, KS 67029
    County: Comanche
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $45.2 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $39.6 mil
    Return on assets (ROA): 0.56% ($0.3 mil)
    Quarterly return on assets: 0.45% ($0.2 mil)
    Return on Equity (ROE): 4.53% ($0.2 mil)
    Quarterly return on equity: 3.72% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.58% ($261.9 mil)
    Quarterly Pretax return on assets: 0.47% ($212.3 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
  • 14Total employees (full-time equivalent)
  • $45,160Total assets
  • $1,419Cash and due from depository institutions
  • $950Interest-bearing balances
  • $19,471Securities
  • $5,102Federal funds sold & reverse repurchase agreements
  • $16,773Net loans & leases
  • $304Loan loss allowance
  • $0Trading account assets
  • $683Bank premises and fixed assets
  • $0Other real estate owned
  • $578Goodwill and other intangibles
  • $45,159Life insurance assets
  • $1,134All other assets
  • $39,787Total liabilities and capital
  • $39,555Total liabilities
  • $34,298Total deposits
  • $39,555Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $100Trading liabilities
  • $0Other borrowed funds
  • $132Subordinated debt
  • $5,372All other liabilities
  • $5,372Total equity capital
  • $5,372Total bank equity capital
  • $0Perpetual preferred stock
  • $190Common stock
  • $2,253Surplus
  • $2,929Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $434Income earned, not collected on loans
  • $0Earning assets
  • $287Long-term assets (5+ years)
  • $42,296Average Assets, year-to-date
  • $8,756Average Assets, quarterly
  • $42,229Volatile liabilities
  • $44,725Insider loans
  • $24,521FHLB advances
  • $43,781Loans and leases held for sale
  • $439Unused loan commitments
  • $439Tier 1 (core) risk-based capital
  • $4,491Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,039Restructured Loans and leases
  • $1,549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,519Total interest income
  • $295Total interest expense
  • $1,224Net interest income
  • $36Provision for loan and lease losses
  • $281Total noninterest income
  • $0Fiduciary activities
  • $99Service charges on deposit accounts
  • $0Trading account gains & fees
  • $182Additional noninterest income
  • $1,224Total noninterest expense
  • $655Salaries and employee benefits
  • $245Premises and equipment expense
  • $324Additional noninterest expense
  • $245Pre-tax net operating income
  • $0Securities gains (losses)
  • $10Applicable income taxes
  • $235Income before extraordinary items
  • $0Extraordinary gains - net
  • $235Net income attributable to bank
  • $0Net charge-offs
  • $235Cash dividends
  • $27Sale, conversion, retirement of capital stock, net
  • $105Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.88%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.13%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 4.53%Return on equity (ROE)
  • 2.50%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 133.33%Credit loss provision to net charge-offs
  • 10.41%Efficiency ratio
  • 81,329Assets per employee
  • 3.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.68%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 70.05%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 2.54%Net loans and leases to deposits
  • 42.40%Net loans and leases to core deposits
  • 43.85%Equity capital to assets
  • 11.90%Core capital (leverage) ratio
  • 10.26%Tier 1 risk-based capital ratio
  • 18.31%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $42,229Average earning assets
  • $5,192Average equity
  • $39,167Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09151Peoples Bank101 East Main Street, Coldwater, KS 67029December 05, 1905Full Service Brick and Mortar

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