Peoples State Bank in Mc Donald, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples State Bank in Mc Donald, Kansas (KS)
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Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 14898
    Status: Active
    Federal Reserve ID: 146850
    Bank Holding Company (Regulatory Top Holder): Big Mac Bancshares, Inc. (RSSDID: 2935496, Location: Hoxie, KS)
    Date Established: April 30, 1930
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 17909
    FDIC's unique #: 9329
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: December 03, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 23, 2010
    Last Data Update: September 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 304 Rawlins Avenue, Mc Donald, KS 67745
    County: Rawlins
    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
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $115.8 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $91.3 mil
    Return on assets (ROA): 2.42% ($2.8 mil)
    Quarterly return on assets: 2.88% ($3.3 mil)
    Return on Equity (ROE): 28.40% ($2.8 mil)
    Quarterly return on equity: 34.65% ($3.5 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 2.55% ($2,953.3 mil)
    Quarterly Pretax return on assets: 3.00% ($3,474.4 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
  • 33Total employees (full-time equivalent)
  • $115,815Total assets
  • $5,123Cash and due from depository institutions
  • $76Interest-bearing balances
  • $6,772Securities
  • $1,792Federal funds sold & reverse repurchase agreements
  • $94,441Net loans & leases
  • $1,258Loan loss allowance
  • $0Trading account assets
  • $2,411Bank premises and fixed assets
  • $272Other real estate owned
  • $0Goodwill and other intangibles
  • $115,815Life insurance assets
  • $5,004All other assets
  • $106,195Total liabilities and capital
  • $91,277Total liabilities
  • $67,175Total deposits
  • $91,277Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,500Trading liabilities
  • $0Other borrowed funds
  • $418Subordinated debt
  • $9,620All other liabilities
  • $9,620Total equity capital
  • $9,620Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $4,131Surplus
  • $5,239Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $1,781Long-term assets (5+ years)
  • $103,081Average Assets, year-to-date
  • $14,178Average Assets, quarterly
  • $105,736Volatile liabilities
  • $112,206Insider loans
  • $96,945FHLB advances
  • $109,892Loans and leases held for sale
  • $2,076Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,419Tier 2 risk-based capital
  • $2,076Total risk weighted assets
  • $0Total unused commitments
  • $15,555Restructured Loans and leases
  • $1,503Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,641Total interest income
  • $1,149Total interest expense
  • $5,492Net interest income
  • $82Provision for loan and lease losses
  • $618Total noninterest income
  • $0Fiduciary activities
  • $449Service charges on deposit accounts
  • $0Trading account gains & fees
  • $169Additional noninterest income
  • $3,333Total noninterest expense
  • $1,424Salaries and employee benefits
  • $442Premises and equipment expense
  • $1,467Additional noninterest expense
  • $2,695Pre-tax net operating income
  • $0Securities gains (losses)
  • $134Applicable income taxes
  • $2,561Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,561Net income attributable to bank
  • $0Net charge-offs
  • $2,561Cash dividends
  • $61Sale, conversion, retirement of capital stock, net
  • $2,135Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.94%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 5.74%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 2.42%Net operating income to assets
  • 2.42%Return on assets (ROA)
  • 2.55%Pretax return on assets
  • 28.40%Return on equity (ROE)
  • 4.72%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 134.43%Credit loss provision to net charge-offs
  • 45.52%Efficiency ratio
  • 54,550Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.37%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 125800.00%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 103.47%Net loans and leases to core deposits
  • 114.67%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 8.57%Tier 1 risk-based capital ratio
  • 9.72%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $105,736Average earning assets
  • $9,018Average equity
  • $95,750Average loans

List of branches

  • 6 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09329Peoples State Bank304 Rawlins Avenue, Mc Donald, KS 67745April 30, 1930Full Service Brick and Mortar
    1359469Colby Branch100 South Range, Colby, KS 67701December 18, 2000Full Service Brick and Mortar
    2359890Hoxie Branch940 Oak Avenue, Hoxie, KS 67740November 06, 2000Full Service Brick and Mortar
    3366029Goodland Branch1302 Main Avenue, Goodland, KS 67735November 12, 2002Full Service Brick and Mortar
    4442591Peoples State Bank Branch610 West Second St, Oakley, KS 67748December 31, 2004Full Service Brick and Mortar
    5466633Peoples State Bank Branch122 W Laurel Ave, Garden City, KS 67846Febuary 05, 2007Full Service Brick and Mortar

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