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

This bank is inactive as of January 06, 2000

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

General
FDIC Certificate #: 25681
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: LINN COUNTY BANK (#17618)
Federal Reserve ID: 470555
Date Established: October 10, 1984
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 17581
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 10, 1984
Last Structure Change Effective Date: January 06, 2000
Last Structure Change Process Date: March 29, 2000
Last Data Update: March 29, 2000
Data Source Date: April 05, 2012
Location
Address: 1290 West Fourth, Colby, KS 67701
County: Thomas
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: $27.8 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
11Total employees (full-time equivalent)
$27,825Total assets
$1,146Cash and due from depository institutions
$10Interest-bearing balances
$3,460Securities
$25Federal funds sold & reverse repurchase agreements
$21,581Net loans & leases
$191Loan loss allowance
$0Trading account assets
$950Bank premises and fixed assets
$123Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$540All other assets
$27,825Total liabilities and capital
$25,305Total liabilities
$22,523Total deposits
$18,475Interest-bearing deposits
$22,523Deposits held in domestic offices
0.00%% insured (estimated)
$137Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,300Other borrowed funds
$0Subordinated debt
$345All other liabilities
$2,520Total equity capital
$2,520Total bank equity capital
$2,520Perpetual preferred stock
$0Common stock
$450Surplus
$950Undivided profits
Memoranda
$1,120Noncurrent loans and leases
$402Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$424Average Assets, year-to-date
$25,076Average Assets, quarterly
$1,464Volatile liabilities
$25,413Insider loans
$26,930FHLB advances
$5,442Loans and leases held for sale
$343Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$402Total unused commitments
$22Restructured Loans and leases
$191Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$2,119Total interest income
$850Total interest expense
$1,269Net interest income
$2Provision for loan and lease losses
$197Total noninterest income
$0Fiduciary activities
$153Service charges on deposit accounts
$0Trading account gains & fees
$44Additional noninterest income
$823Total noninterest expense
$400Salaries and employee benefits
$165Premises and equipment expense
$258Additional noninterest expense
$641Pre-tax net operating income
$3Securities gains (losses)
$240Applicable income taxes
$404Income before extraordinary items
$0Extraordinary gains - net
$404Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$14Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
9.11%Yield on earning assets
3.66%Cost of funding earning assets
5.46%Net interest margin
0.85%Noninterest income to earning assets
3.54%Noninterest expense to earning assets
1.58%Net operating income to assets
1.59%Return on assets (ROA)
2.53%Pretax return on assets
17.02%Return on equity (ROE)
17.02%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
14.29%Credit loss provision to net charge-offs
45.93%Efficiency ratio
56,139Assets per employee
2.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.00%Net loans and leases to deposits
95.82%Net loans and leases to core deposits
125.34%Equity capital to assets
9.06%Core capital (leverage) ratio
9.48%Tier 1 risk-based capital ratio
12.18%Total risk-based capital ratio
Memoranda
$13Average assets
$25,413Average earning assets
$2,374Average equity
$23,252Average loans

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