The Peoples Bank in Pratt, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 1147
    Status: Active
    Federal Reserve ID: 530655
    Bank Holding Company (Regulatory Top Holder): Krey Co. Ltd. (RSSDID: 1056657, Location: Pratt, KS)
    Date Established: May 20, 1887
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 10659
    FDIC's unique #: 784
    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 01, 1934
    Last Structure Change Effective Date: June 13, 2008
    Last Structure Change Process Date: June 17, 2008
    Last Data Update: June 17, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 222 South Main Street, Pratt, KS 67124
    County: Pratt
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $344.7 mil
    Equity capital: $47.7 mil
    Deposits held in domestic offices: $293.7 mil
    Return on assets (ROA): 1.14% ($3.9 mil)
    Quarterly return on assets: 0.83% ($2.9 mil)
    Return on Equity (ROE): 8.19% ($3.9 mil)
    Quarterly return on equity: 5.93% ($2.8 mil)
    Net income: $3.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.49% ($5,135.5 mil)
    Quarterly Pretax return on assets: 0.36% ($1,240.8 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
  • 81Total employees (full-time equivalent)
  • $344,667Total assets
  • $38,728Cash and due from depository institutions
  • $33,095Interest-bearing balances
  • $112,075Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $178,277Net loans & leases
  • $4,436Loan loss allowance
  • $0Trading account assets
  • $675Bank premises and fixed assets
  • $2,162Other real estate owned
  • $8,506Goodwill and other intangibles
  • $344,667Life insurance assets
  • $4,244All other assets
  • $296,920Total liabilities and capital
  • $293,715Total liabilities
  • $191,954Total deposits
  • $293,715Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,069Other borrowed funds
  • $2,136Subordinated debt
  • $47,747All other liabilities
  • $47,747Total equity capital
  • $47,747Total bank equity capital
  • $0Perpetual preferred stock
  • $3,200Common stock
  • $8,800Surplus
  • $35,747Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,211Income earned, not collected on loans
  • $618Earning assets
  • $2,723Long-term assets (5+ years)
  • $323,447Average Assets, year-to-date
  • $89,216Average Assets, quarterly
  • $336,784Volatile liabilities
  • $341,202Insider loans
  • $198,184FHLB advances
  • $331,645Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $38,541Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,486Restructured Loans and leases
  • $3,910Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,171Total interest income
  • $1,826Total interest expense
  • $13,345Net interest income
  • $1,100Provision for loan and lease losses
  • $3,654Total noninterest income
  • $2,007Fiduciary activities
  • $966Service charges on deposit accounts
  • $0Trading account gains & fees
  • $681Additional noninterest income
  • $11,185Total noninterest expense
  • $5,858Salaries and employee benefits
  • $915Premises and equipment expense
  • $4,412Additional noninterest expense
  • $4,714Pre-tax net operating income
  • $302Securities gains (losses)
  • $1,175Applicable income taxes
  • $3,841Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,841Net income attributable to bank
  • $0Net charge-offs
  • $3,841Cash dividends
  • $474Sale, conversion, retirement of capital stock, net
  • $1,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.20%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 8.19%Return on equity (ROE)
  • 4.78%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 232.07%Credit loss provision to net charge-offs
  • 12.27%Efficiency ratio
  • 63,998Assets per employee
  • 4.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.66%Loss allowance to loans
  • 2.43%Loss allowance to noncurrent loans
  • 29.16%Noncurrent assets plus other real estate owned to assets
  • 5.04%Noncurrent loans to loans
  • 8.33%Net loans and leases to deposits
  • 60.70%Net loans and leases to core deposits
  • 75.02%Equity capital to assets
  • 13.85%Core capital (leverage) ratio
  • 11.62%Tier 1 risk-based capital ratio
  • 19.45%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $336,784Average earning assets
  • $46,895Average equity
  • $318,108Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $333,488Managed Assets
  • 1Number of Accounts
  • $321,630Personal trust and agency accounts
  • $105,072Employee benefit-defined contribution accounts
  • $16,536Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $51,373Corporate trust and agency accounts
  • $303Investment management agency accounts
  • $148,346Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1681Number of Accounts
  • $0Personal trust and agency accounts
  • $51,043Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,858Other retirement accounts
  • $0Corporate trust and agency accounts
  • $465Other fiduciary accounts
  • $11,339Fiduciary accounts held in foreign offices

List of branches

  • 10 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0784The Peoples Bank222 South Main Street, Pratt, KS 67124May 20, 1887Full Service Brick and Mortar
    1187949Pratt Branch120 Ninnescah Street, Pratt, KS 67124June 22, 1959Limited Service Facility
    3187950Medicine Lodge Branch121 South Main, Medicine Lodge, KS 67104May 01, 1991Full Service Brick and Mortar
    5243490Sharon Branch106 North Broadway, Sharon, KS 67138April 30, 1991Full Service Brick and Mortar
    7356927Dillons Branch1108 East First Street, Pratt, KS 67124June 12, 2000Full Service Retail
    911641Hardtner BranchMain And Central Streets, Hardtner, KS 67057October 01, 1919Full Service Brick and Mortar
    10242497Kiowa Branch515 Main Street, Kiowa, KS 67070November 02, 1992Full Service Brick and Mortar
    116183Smith Center Branch136 South Main, Smith Center, KS 66967January 01, 1886Full Service Brick and Mortar
    123136The Peoples Bank - Lebanon504 Main Street, Lebanon, KS 66952January 01, 1901Full Service Brick and Mortar
    13481126Greensburg Branch102 Souith Oak, Greensburg, KS 67054May 29, 2007Full Service Brick and Mortar

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