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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