Peoples Exchange Bank in Belleville, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Exchange Bank - Overview

  • General
  • FDIC Certificate #: 4629
    Status: Active
    Federal Reserve ID: 1012055
    Bank Holding Company (Regulatory Top Holder): American State Bancshares, Inc. (RSSDID: 1066441, Location: Great Bend, KS)
    Date Established: August 01, 1910
    WWW: http://www.pebank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15839
    FDIC's unique #: 3070
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: January 12, 2009
    Last Structure Change Process Date: January 14, 2009
    Last Data Update: January 14, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1404 28th Street, Belleville, KS 66935
    County: Republic
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Participated in Reorganization
    Corrections
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $65.8 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $39.1 mil
    Return on assets (ROA): 0.86% ($0.6 mil)
    Quarterly return on assets: 1.27% ($0.8 mil)
    Return on Equity (ROE): 5.94% ($0.5 mil)
    Quarterly return on equity: 8.59% ($0.8 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.17% ($769.7 mil)
    Quarterly Pretax return on assets: 1.77% ($1,164.4 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
  • 20Total employees (full-time equivalent)
  • $65,787Total assets
  • $2,719Cash and due from depository institutions
  • $1,418Interest-bearing balances
  • $12,870Securities
  • $365Federal funds sold & reverse repurchase agreements
  • $43,023Net loans & leases
  • $793Loan loss allowance
  • $0Trading account assets
  • $1,852Bank premises and fixed assets
  • $5Other real estate owned
  • $2,447Goodwill and other intangibles
  • $65,787Life insurance assets
  • $2,506All other assets
  • $56,941Total liabilities and capital
  • $39,144Total liabilities
  • $29,961Total deposits
  • $39,144Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 3900.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,556Trading liabilities
  • $0Other borrowed funds
  • $341Subordinated debt
  • $8,846All other liabilities
  • $8,846Total equity capital
  • $8,846Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $7,781Surplus
  • $765Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $864Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $953Income earned, not collected on loans
  • $0Earning assets
  • $677Long-term assets (5+ years)
  • $57,676Average Assets, year-to-date
  • $8,533Average Assets, quarterly
  • $66,950Volatile liabilities
  • $64,004Insider loans
  • $65,154FHLB advances
  • $61,032Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,522Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,734Restructured Loans and leases
  • $703Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,219Total interest income
  • $661Total interest expense
  • $2,558Net interest income
  • $2Provision for loan and lease losses
  • $745Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $659Additional noninterest income
  • $2,517Total noninterest expense
  • $1,431Salaries and employee benefits
  • $346Premises and equipment expense
  • $740Additional noninterest expense
  • $784Pre-tax net operating income
  • $0Securities gains (losses)
  • $206Applicable income taxes
  • $578Income before extraordinary items
  • $0Extraordinary gains - net
  • $578Net income attributable to bank
  • $0Net charge-offs
  • $578Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.50%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.37%Net interest margin
  • 1.27%Noninterest income to earning assets
  • 4.30%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 5.94%Return on equity (ROE)
  • -9.48%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 18.18%Credit loss provision to net charge-offs
  • 71.45%Efficiency ratio
  • 76,203Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 259.52%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 83.21%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 2.18%Net loans and leases to deposits
  • 109.91%Net loans and leases to core deposits
  • 113.77%Equity capital to assets
  • 13.45%Core capital (leverage) ratio
  • 10.69%Tier 1 risk-based capital ratio
  • 10.01%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $66,950Average earning assets
  • $9,729Average equity
  • $58,535Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03070Peoples Exchange Bank1404 28th Street, Belleville, KS 66935August 01, 1910Full Service Brick and Mortar
    13079413 Washington Street Branch413 Washington Street, Clyde, KS 66938January 01, 1920Full Service Brick and Mortar
    2203940302 W 6th Street Branch302 W 6th Street, Concordia, KS 66901April 28, 1999Full Service Brick and Mortar

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