Peoples Bank of Wyaconda, Missouri in Kahoka, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank of Wyaconda, Missouri - Overview

  • General
  • FDIC Certificate #: 15415
    Status: Active
    Federal Reserve ID: 223452
    Bank Holding Company (Regulatory Top Holder): Clark County Bancshares, Inc. (RSSDID: 1097995, Location: Wyaconda, MO)
    Date Established: December 17, 1914
    WWW: http://www.pbwyaconda.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9731
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 24, 1936
    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: 310 South Johnson, Kahoka, MO 63445
    County: Clark
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Fort Madison-Keokuk, IA-MO (#22800)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $68.1 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $60.5 mil
    Return on assets (ROA): 0.84% ($0.6 mil)
    Quarterly return on assets: 0.70% ($0.5 mil)
    Return on Equity (ROE): 8.49% ($0.6 mil)
    Quarterly return on equity: 6.70% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.41% ($960.6 mil)
    Quarterly Pretax return on assets: 1.21% ($824.4 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
  • 15Total employees (full-time equivalent)
  • $68,129Total assets
  • $2,284Cash and due from depository institutions
  • $135Interest-bearing balances
  • $23,843Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,788Net loans & leases
  • $718Loan loss allowance
  • $0Trading account assets
  • $45Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $68,129Life insurance assets
  • $1,169All other assets
  • $61,101Total liabilities and capital
  • $60,538Total liabilities
  • $54,248Total deposits
  • $60,538Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 311.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $252Subordinated debt
  • $7,028All other liabilities
  • $7,028Total equity capital
  • $7,028Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $280Surplus
  • $6,628Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $753Long-term assets (5+ years)
  • $64,766Average Assets, year-to-date
  • $8,265Average Assets, quarterly
  • $69,094Volatile liabilities
  • $68,354Insider loans
  • $43,259FHLB advances
  • $70,004Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,760Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,240Restructured Loans and leases
  • $441Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,740Total interest income
  • $781Total interest expense
  • $1,959Net interest income
  • $34Provision for loan and lease losses
  • $170Total noninterest income
  • $0Fiduciary activities
  • $134Service charges on deposit accounts
  • $0Trading account gains & fees
  • $36Additional noninterest income
  • $1,124Total noninterest expense
  • $640Salaries and employee benefits
  • $108Premises and equipment expense
  • $376Additional noninterest expense
  • $971Pre-tax net operating income
  • $0Securities gains (losses)
  • $391Applicable income taxes
  • $580Income before extraordinary items
  • $0Extraordinary gains - net
  • $580Net income attributable to bank
  • $0Net charge-offs
  • $580Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $251Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.17%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 2.98%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 1.71%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 8.49%Return on equity (ROE)
  • 4.82%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 261.54%Credit loss provision to net charge-offs
  • 77.31%Efficiency ratio
  • 52,795Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.28%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 67.38%Net loans and leases to core deposits
  • 69.14%Equity capital to assets
  • 10.32%Core capital (leverage) ratio
  • 9.66%Tier 1 risk-based capital ratio
  • 15.63%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $69,094Average earning assets
  • $6,832Average equity
  • $65,699Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09731Peoples Bank Of Wyaconda, Missouri310 South Johnson, Kahoka, MO 63445December 17, 1914Full Service Brick and Mortar
    1233927Main Street Facility100 Main Street, Wyaconda, MO 63474November 16, 1989Full Service Brick and Mortar

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