The Peabody State Bank in Peabody, Kansas (KS)

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The Peabody State Bank
GeneralFDIC Certificate #: 17955
Status: Active
Federal Reserve ID: 526751
Bank Holding Company (Regulatory Top Holder): Peabody State Bancorp (RSSDID: 2366634, Location: Peabody, KS)
Date Established: May 09, 1899
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 14026
FDIC's unique #: 11888
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 08, 1959
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 201 North Walnut Street, Peabody, KS 66866
County: Marion
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Wichita
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $40.3 mil
Equity capital: $4.0 mil
Deposits held in domestic offices: $34.0 mil
Return on assets (ROA): -0.14% (-$0.1 mil)
Quarterly return on assets: -0.21% (-$0.1 mil)
Return on Equity (ROE): -1.39% (-$0.1 mil)
Quarterly return on equity: -2.11% (-$0.1 mil)
Net income: -$0.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: -0.26% (-$104.9 mil)
Quarterly Pretax return on assets: -0.20% (-$80.7 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)
Total employees (full-time equivalent)14
Total assets$40,344
Cash and due from depository institutions$4,981
Interest-bearing balances$1,531
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$20,700
Loan loss allowance $255
Trading account assets$0
Bank premises and fixed assets$138
Other real estate owned$0
Goodwill and other intangibles$165
All other assets$1,887
Life insurance assets$40,344
Total liabilities and capital$36,383
Total liabilities$34,016
Total deposits$27,975
Interest-bearing deposits$34,016
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,817
Other borrowed funds $0
Subordinated debt $550
All other liabilities $3,961
Total equity capital$3,961
Total bank equity capital$3,961
Perpetual preferred stock$0
Common stock$150
Undivided profits $3,211
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $169
Earning assets $0
Long-term assets (5+ years) $233
Average Assets, year-to-date $34,704
Average Assets, quarterly $10,082
Volatile liabilities $40,010
Insider loans $39,591
FHLB advances $24,429
Loans and leases held for sale $38,751
Unused loan commitments $891
Tier 1 (core) risk-based capital $891
Tier 2 risk-based capital $3,179
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,375
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,510
Total interest expense $241
Net interest income $1,269
Provision for loan and lease losses $463
Total noninterest income $291
Fiduciary activities $0
Service charges on deposit accounts $63
Trading account gains & fees $0
Additional noninterest income $228
Total noninterest expense $1,359
Salaries and employee benefits $866
Premises and equipment expense $141
Additional noninterest expense $352
Pre-tax net operating income -$262
Securities gains (losses) $159
Applicable income taxes -$47
Income before extraordinary items -$56
Extraordinary gains - net $0
Net income attributable to bank -$56
Net charge-offs $0
Cash dividends -$56
Sale, conversion, retirement of capital stock, net $660
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.38%
Cost of funding earning assets 0.70%
Net interest margin 3.68%
Noninterest income to earning assets 0.84%
Noninterest expense to earning assets 3.95%
Net operating income to assets -0.39%
Return on assets (ROA) -0.14%
Pretax return on assets -0.26%
Return on equity (ROE) -1.39%
Retained earnings to average equity (YTD only) -1.39%
Net charge-offs to loans 3.20%
Credit loss provision to net charge-offs 70.15%
Efficiency ratio0.30%
Assets per employee$83,141
Cash dividends to net income (YTD only)2.88%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.22%
Noncurrent assets plus other real estate owned to assets 150.89%
Noncurrent loans to loans 0.42%
Net loans and leases to deposits0.81%
Net loans and leases to core deposits 60.85%
Equity capital to assets 62.32%
Core capital (leverage) ratio 9.82%
Tier 1 risk-based capital ratio 8.20%
Total risk-based capital ratio 13.01%
Average assets$14
Average earning assets$40,010
Average equity $4,019
Average loans $34,440
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2 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011888The Peabody State Bank201 North Walnut Street, Peabody, KS 66866May 09, 1899Full Service Brick and Mortar
2243342Benton Branch234 North Main, Benton, KS 67017Febuary 13, 1998Full Service Brick and Mortar
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