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

Peoples Bank - Overview

  • General
  • FDIC Certificate #: 4751
    Status: Active
    Federal Reserve ID: 177957
    Bank Holding Company (Regulatory Top Holder): Winter Trust Of 12/3/74 (RSSDID: 1995103, Location: Lawrence, KS)
    Date Established: November 08, 1871
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 15399
    FDIC's unique #: 3167
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 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: 4831 West 6th Street, Lawrence, KS 66049
    County: Douglas
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Lawrence, KS (#4150)
    Core Based Statistical Area (CBSA): Lawrence, KS (#29940)
    CBSA Metro Statistical Area: Lawrence, KS (#29940)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $514.1 mil
    Equity capital: $31.7 mil
    Deposits held in domestic offices: $368.7 mil
    Return on assets (ROA): 0.34% ($1.7 mil)
    Quarterly return on assets: 0.50% ($2.6 mil)
    Return on Equity (ROE): 4.69% ($1.5 mil)
    Quarterly return on equity: 7.86% ($2.5 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.55% ($2,827.6 mil)
    Quarterly Pretax return on assets: 0.67% ($3,444.6 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
  • 581Total employees (full-time equivalent)
  • $514,118Total assets
  • $12,991Cash and due from depository institutions
  • $2,182Interest-bearing balances
  • $30,814Securities
  • $59Federal funds sold & reverse repurchase agreements
  • $427,789Net loans & leases
  • $5,668Loan loss allowance
  • $0Trading account assets
  • $8,033Bank premises and fixed assets
  • $13,657Other real estate owned
  • $0Goodwill and other intangibles
  • $514,119Life insurance assets
  • $20,775All other assets
  • $482,374Total liabilities and capital
  • $368,738Total liabilities
  • $274,781Total deposits
  • $368,738Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $101,821Trading liabilities
  • $0Other borrowed funds
  • $11,815Subordinated debt
  • $31,745All other liabilities
  • $31,745Total equity capital
  • $31,745Total bank equity capital
  • $0Perpetual preferred stock
  • $2,963Common stock
  • $18,413Surplus
  • $10,369Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $204,078Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,972Income earned, not collected on loans
  • $0Earning assets
  • $1,042Long-term assets (5+ years)
  • $460,844Average Assets, year-to-date
  • $38,307Average Assets, quarterly
  • $422,246Volatile liabilities
  • $482,428Insider loans
  • $310,823FHLB advances
  • $463,392Loans and leases held for sale
  • $6,952Unused loan commitments
  • $1,223Tier 1 (core) risk-based capital
  • $31,321Tier 2 risk-based capital
  • $5,729Total risk weighted assets
  • $0Total unused commitments
  • $33,986Restructured Loans and leases
  • $33Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,901Total interest income
  • $1,828Total interest expense
  • $16,073Net interest income
  • $2,127Provision for loan and lease losses
  • $54,908Total noninterest income
  • $0Fiduciary activities
  • $2,525Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52,383Additional noninterest income
  • $66,339Total noninterest expense
  • $33,924Salaries and employee benefits
  • $5,096Premises and equipment expense
  • $27,319Additional noninterest expense
  • $2,515Pre-tax net operating income
  • -$213Securities gains (losses)
  • $870Applicable income taxes
  • $1,432Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,432Net income attributable to bank
  • $0Net charge-offs
  • $1,432Cash dividends
  • $3,492Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 4.31%Net interest margin
  • 14.73%Noninterest income to earning assets
  • 17.80%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 4.69%Return on equity (ROE)
  • 4.69%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 60.91%Credit loss provision to net charge-offs
  • 1.33%Efficiency ratio
  • 93,460Assets per employee
  • 0.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 63.17%Noncurrent assets plus other real estate owned to assets
  • 4.40%Noncurrent loans to loans
  • 2.07%Net loans and leases to deposits
  • 116.01%Net loans and leases to core deposits
  • 118.24%Equity capital to assets
  • 6.17%Core capital (leverage) ratio
  • 6.76%Tier 1 risk-based capital ratio
  • 10.08%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $422,246Average earning assets
  • $30,513Average equity
  • $372,785Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $36,095Managed Assets
  • 1Number of Accounts
  • $20,050Personal trust and agency accounts
  • $19,511Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $539Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 204Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $16,045Other retirement accounts
  • $0Corporate trust and agency accounts
  • $11,218Other fiduciary accounts
  • $4,827Fiduciary accounts held in foreign offices

List of branches

  • 9 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03167Peoples Bank4831 West 6th Street, Lawrence, KS 66049November 08, 1871Full Service Brick and Mortar
    6364777South Store Branch1506 South Main, Ottawa, KS 66067June 01, 2002Full Service Brick and Mortar
    7365604Ottawa Branch434 South Main Street, Ottawa, KS 66067December 14, 2002Full Service Brick and Mortar
    856855Overland Branch7579 West 151st Street, Overland Park, KS 66223July 01, 1996Full Service Brick and Mortar
    93988Louisburg Branch212 South Broadway, Louisburg, KS 66053January 01, 1880Full Service Brick and Mortar
    10204061Stilwell Branch7404 West 199th Street, Stilwell, KS 66085April 03, 1989Full Service Brick and Mortar
    13290252Lawrence Branch2220 Harper, Lawrence, KS 66046May 03, 1999Full Service Brick and Mortar
    14357160Overland Park Branch13180 Metcalf Avenue, Overland Park, KS 66213December 09, 1994Full Service Brick and Mortar
    2147693731st Street Branch3045 Iowa Street, Lawrence, KS 66046June 06, 2008Full Service Brick and Mortar
  • 6 New Mexico Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1516821Taos Peoples Branch1356 Paseo Del Pueblo Sur, Taos, NM 87571December 02, 1982Full Service Brick and Mortar
    16284480Plaza Branch219 Paseo Del Pueblo Norte, Taos, NM 87571January 01, 1961Full Service Brick and Mortar
    17256979Taos Branch1100 Paseo Del Pueblo Sur, Taos, NM 87571April 19, 1995Full Service Brick and Mortar
    18256980Albuquerque Branch2155 Louisiana Blvd Ne, Albuquerque, NM 87110April 15, 1999Full Service Brick and Mortar
    19440396Red River Branch121 East Main Street, Questa, NM 87556May 09, 2005Full Service Brick and Mortar
    204628767300 Jefferson Street Ne Branch7300 Jefferson Street Ne, Albuquerque, NM 87109May 07, 2007Full Service Brick and Mortar

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