The Peabody State Bank in Peabody, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peabody State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $40,344Total assets
  • $4,981Cash and due from depository institutions
  • $1,531Interest-bearing balances
  • $12,473Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,700Net loans & leases
  • $255Loan loss allowance
  • $0Trading account assets
  • $138Bank premises and fixed assets
  • $0Other real estate owned
  • $165Goodwill and other intangibles
  • $40,344Life insurance assets
  • $1,887All other assets
  • $36,383Total liabilities and capital
  • $34,016Total liabilities
  • $27,975Total deposits
  • $34,016Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,817Trading liabilities
  • $0Other borrowed funds
  • $550Subordinated debt
  • $3,961All other liabilities
  • $3,961Total equity capital
  • $3,961Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $600Surplus
  • $3,211Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $169Income earned, not collected on loans
  • $0Earning assets
  • $233Long-term assets (5+ years)
  • $34,704Average Assets, year-to-date
  • $10,082Average Assets, quarterly
  • $40,010Volatile liabilities
  • $39,591Insider loans
  • $24,429FHLB advances
  • $38,751Loans and leases held for sale
  • $891Unused loan commitments
  • $891Tier 1 (core) risk-based capital
  • $3,179Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,375Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,510Total interest income
  • $241Total interest expense
  • $1,269Net interest income
  • $463Provision for loan and lease losses
  • $291Total noninterest income
  • $0Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $228Additional noninterest income
  • $1,359Total noninterest expense
  • $866Salaries and employee benefits
  • $141Premises and equipment expense
  • $352Additional noninterest expense
  • -$262Pre-tax net operating income
  • $159Securities gains (losses)
  • -$47Applicable income taxes
  • -$56Income before extraordinary items
  • $0Extraordinary gains - net
  • -$56Net income attributable to bank
  • $0Net charge-offs
  • -$56Cash dividends
  • $660Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • -0.39%Net operating income to assets
  • -0.14%Return on assets (ROA)
  • -0.26%Pretax return on assets
  • -1.39%Return on equity (ROE)
  • -1.39%Retained earnings to average equity (YTD only)
  • 3.20%Net charge-offs to loans
  • 70.15%Credit loss provision to net charge-offs
  • 0.30%Efficiency ratio
  • 83,141Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 150.89%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 60.85%Net loans and leases to core deposits
  • 62.32%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 13.01%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $40,010Average earning assets
  • $4,019Average equity
  • $34,440Average loans

List of branches

  • 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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