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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