Peoples Bank and Trust Company in Mcpherson, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 1365
    Status: Active
    Federal Reserve ID: 153353
    Bank Holding Company (Regulatory Top Holder): Pbt Bancshares, Inc. (RSSDID: 1248658, Location: Mcpherson, KS)
    Date Established: November 01, 1898
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 12788
    FDIC's unique #: 891
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 13, 2011
    Last Structure Change Process Date: August 18, 2011
    Last Data Update: August 18, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Main Street, Mcpherson, KS 67460
    County: Mcpherson
    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
    Core Based Statistical Area (CBSA): McPherson, KS (#32700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $376.4 mil
    Equity capital: $43.0 mil
    Deposits held in domestic offices: $315.8 mil
    Return on assets (ROA): 1.07% ($4.0 mil)
    Quarterly return on assets: 0.88% ($3.3 mil)
    Return on Equity (ROE): 9.31% ($4.0 mil)
    Quarterly return on equity: 7.81% ($3.4 mil)
    Net income: $3.8 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.49% ($5,607.9 mil)
    Quarterly Pretax return on assets: 1.19% ($4,478.8 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
  • 101Total employees (full-time equivalent)
  • $376,368Total assets
  • $19,207Cash and due from depository institutions
  • $4,922Interest-bearing balances
  • $156,335Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $178,125Net loans & leases
  • $4,055Loan loss allowance
  • $0Trading account assets
  • $6,183Bank premises and fixed assets
  • $50Other real estate owned
  • $1,805Goodwill and other intangibles
  • $376,369Life insurance assets
  • $14,663All other assets
  • $333,342Total liabilities and capital
  • $315,803Total liabilities
  • $271,401Total deposits
  • $315,803Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 15929.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,610Subordinated debt
  • $43,027All other liabilities
  • $43,027Total equity capital
  • $43,027Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,784Surplus
  • $36,643Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $518Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $912Income earned, not collected on loans
  • $0Earning assets
  • $2,182Long-term assets (5+ years)
  • $339,382Average Assets, year-to-date
  • $153,517Average Assets, quarterly
  • $356,546Volatile liabilities
  • $378,959Insider loans
  • $235,217FHLB advances
  • $377,287Loans and leases held for sale
  • $9,569Unused loan commitments
  • $4,097Tier 1 (core) risk-based capital
  • $39,310Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,472Total unused commitments
  • $35,881Restructured Loans and leases
  • $5,754Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,161Total interest income
  • $3,123Total interest expense
  • $12,038Net interest income
  • $610Provision for loan and lease losses
  • $2,772Total noninterest income
  • $575Fiduciary activities
  • $741Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,456Additional noninterest income
  • $9,395Total noninterest expense
  • $5,238Salaries and employee benefits
  • $1,044Premises and equipment expense
  • $3,113Additional noninterest expense
  • $4,805Pre-tax net operating income
  • $519Securities gains (losses)
  • $1,507Applicable income taxes
  • $3,817Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,817Net income attributable to bank
  • $0Net charge-offs
  • $3,817Cash dividends
  • $239Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 9.31%Return on equity (ROE)
  • 9.31%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 255.23%Credit loss provision to net charge-offs
  • 22.66%Efficiency ratio
  • 63,437Assets per employee
  • 3.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 444.63%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 56.40%Net loans and leases to core deposits
  • 58.61%Equity capital to assets
  • 11.43%Core capital (leverage) ratio
  • 10.42%Tier 1 risk-based capital ratio
  • 16.71%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $356,546Average earning assets
  • $40,986Average equity
  • $323,462Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $71,434Managed Assets
  • 1Number of Accounts
  • $60,077Personal trust and agency accounts
  • $34,180Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,914Corporate trust and agency accounts
  • $789Investment management agency accounts
  • $17,143Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $2,051Non-managed Assets
  • 272Number of Accounts
  • $0Personal trust and agency accounts
  • $5,914Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,357Other retirement accounts
  • $5,840Corporate trust and agency accounts
  • $170Other fiduciary accounts
  • $1,294Fiduciary accounts held in foreign offices

List of branches

  • 10 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0891Peoples Bank And Trust Company101 South Main Street, Mcpherson, KS 67460November 01, 1898Full Service Brick and Mortar
    111562Yoder Branch9810 S Main, Yoder, KS 67585January 01, 1910Full Service Brick and Mortar
    2242293Pleasantview Branch6300 West Morgan Avenue, Hutchinson, KS 67501January 07, 1998Full Service Brick and Mortar
    310039Nickerson Branch76 North Nickerson Street, Nickerson, KS 67561January 01, 1934Full Service Brick and Mortar
    4235279Hutchinson Branch1020 North Main Street, Hutchinson, KS 67501Febuary 01, 1995Full Service Brick and Mortar
    5189404Mcpherson Branch1320 1/2 North Main Street, Mcpherson, KS 67460October 29, 1999Limited Service Facility
    6189405Mcpherson Branch719 North Main Street, Mcpherson, KS 67460Febuary 07, 2000Limited Service Facility
    7452933Peoples Bank And Trust Company Branc601 East 30th Street, Hutchinson, KS 67502September 06, 2005Full Service Brick and Mortar
    9465926Inman Branch215 South Main Street, Po Box 508, Inman, KS 67546October 10, 2006Full Service Brick and Mortar
    10238819Lindsborg State Bank Branch201 South Main Street, Lindsborg, KS 67456October 31, 1990Full Service Brick and Mortar

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