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

This bank is inactive as of June 15, 1993

Peoples State Bank in Grinnell, Kansas (KS)
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Peoples State Bank - Overview

General
FDIC Certificate #: 17051
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: State Bank (#26832)
Federal Reserve ID: 672256
Date Established: January 25, 1904
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 11112
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: October 29, 1951
Last Structure Change Effective Date: June 15, 1993
Last Structure Change Process Date: July 07, 1993
Last Data Update: July 07, 1993
Data Source Date: April 05, 2012
Location
Address: 106 South Adams, Grinnell, KS 67738
County: Gove
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
Financial Summary
Total assets: $12.2 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$7Total assets
$11,670Cash and due from depository institutions
$2,346Interest-bearing balances
$2,074Securities
$700Federal funds sold & reverse repurchase agreements
$115Net loans & leases
$8,104Loan loss allowance
$88Trading account assets
$0Bank premises and fixed assets
$145Other real estate owned
$0Goodwill and other intangibles
$260Life insurance assets
$0All other assets
$0Total liabilities and capital
$11,670Total liabilities
$10,791Total deposits
$10,658Interest-bearing deposits
$8,869Deposits held in domestic offices
10658.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$133Total equity capital
$133Total bank equity capital
$879Perpetual preferred stock
$0Common stock
$100Surplus
$351Undivided profits
Memoranda
$428Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$94Income earned, not collected on loans
$245Earning assets
$10,993Long-term assets (5+ years)
$114Average Assets, year-to-date
$12,004Average Assets, quarterly
$11,746Volatile liabilities
$800Insider loans
$75FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$879Total risk weighted assets
$9,091Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$922Total interest expense
$458Net interest income
$464Provision for loan and lease losses
$12Total noninterest income
$46Fiduciary activities
$0Service charges on deposit accounts
$40Trading account gains & fees
$0Additional noninterest income
$6Total noninterest expense
$358Salaries and employee benefits
$205Premises and equipment expense
$32Additional noninterest expense
$121Pre-tax net operating income
$140Securities gains (losses)
$0Applicable income taxes
$52Income before extraordinary items
$88Extraordinary gains - net
$0Net income attributable to bank
$88Net charge-offs
$35Cash dividends
$33Sale, 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
8.23%Cost of funding earning assets
4.09%Net interest margin
4.14%Noninterest income to earning assets
0.41%Noninterest expense to earning assets
3.20%Net operating income to assets
0.73%Return on assets (ROA)
0.73%Pretax return on assets
1.17%Return on equity (ROE)
10.27%Retained earnings to average equity (YTD only)
6.42%Net charge-offs to loans
0.45%Credit loss provision to net charge-offs
34.29%Efficiency ratio
70,196Assets per employee
1.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.50%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
93.62%Noncurrent assets plus other real estate owned to assets
0.81%Noncurrent loans to loans
1.15%Net loans and leases to deposits
76.04%Net loans and leases to core deposits
82.21%Equity capital to assets
7.53%Core capital (leverage) ratio
7.35%Tier 1 risk-based capital ratio
9.67%Total risk-based capital ratio
Memoranda
$11Average assets
$12,004Average earning assets
$857Average equity
$11,204Average loans

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