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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