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

This bank is inactive as of January 13, 1993

Peoples Bank of Kansas in Richmond, Kansas (KS)
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Peoples Bank of Kansas - Overview

General
FDIC Certificate #: 4764
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Patriots Bank (#18019)
Federal Reserve ID: 410458
Date Established: January 01, 1920
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 3178
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: January 01, 1934
Last Structure Change Effective Date: January 13, 1993
Last Structure Change Process Date: January 28, 1993
Last Data Update: January 28, 1993
Data Source Date: April 05, 2012
Location
Address: Main Street, Richmond, KS 66080
County: Franklin
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
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
Financial Summary
Total assets: $15.4 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$15,382Cash and due from depository institutions
$599Interest-bearing balances
$0Securities
$5,154Federal funds sold & reverse repurchase agreements
$1,500Net loans & leases
$7,544Loan loss allowance
$95Trading account assets
$0Bank premises and fixed assets
$431Other real estate owned
$0Goodwill and other intangibles
$154Life insurance assets
$0All other assets
$0Total liabilities and capital
$15,382Total liabilities
$14,195Total deposits
$14,059Interest-bearing deposits
$12,514Deposits held in domestic offices
14059.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$136Total equity capital
$136Total bank equity capital
$1,187Perpetual preferred stock
$0Common stock
$100Surplus
$250Undivided profits
Memoranda
$837Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$21Income earned, not collected on loans
$101Earning assets
$14,198Long-term assets (5+ years)
$1,302Average Assets, year-to-date
$14,821Average Assets, quarterly
$15,139Volatile liabilities
$200Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$360Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,187Total risk weighted assets
$7,762Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$1,156Total interest expense
$519Net interest income
$637Provision for loan and lease losses
$12Total noninterest income
$132Fiduciary activities
$0Service charges on deposit accounts
$97Trading account gains & fees
$0Additional noninterest income
$35Total noninterest expense
$643Salaries and employee benefits
$335Premises and equipment expense
$83Additional noninterest expense
$225Pre-tax net operating income
$114Securities gains (losses)
$6Applicable income taxes
$27Income before extraordinary items
$93Extraordinary gains - net
$0Net income attributable to bank
$93Net charge-offs
$5Cash dividends
$17Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.39%Cost of funding earning assets
3.77%Net interest margin
4.62%Noninterest income to earning assets
0.96%Noninterest expense to earning assets
4.67%Net operating income to assets
0.60%Return on assets (ROA)
0.63%Pretax return on assets
0.81%Return on equity (ROE)
8.13%Retained earnings to average equity (YTD only)
6.64%Net charge-offs to loans
0.06%Credit loss provision to net charge-offs
240.00%Efficiency ratio
83,615Assets per employee
1.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.28%Loss allowance to loans
1.24%Loss allowance to noncurrent loans
452.38%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.27%Net loans and leases to deposits
53.66%Net loans and leases to core deposits
54.43%Equity capital to assets
7.72%Core capital (leverage) ratio
7.86%Tier 1 risk-based capital ratio
15.29%Total risk-based capital ratio
Memoranda
$17Average assets
$14,821Average earning assets
$1,145Average equity
$13,775Average loans

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