The Peoples State Bank in Cherryvale, Kansas (KS)



Show street view No street view available for this location

The Peoples State Bank routing number info

Table of contents:
The Peoples State Bank
GeneralFDIC Certificate #: 16744
Status: Active
Federal Reserve ID: 741358
Bank Holding Company (Regulatory Top Holder): First Howard Bankshares, Inc. (RSSDID: 1059519, Location: Cherryvale, KS)
Date Established: January 01, 1880
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 10860
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: November 04, 1948
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: 200 West Main Street, Cherryvale, KS 67335
County: Montgomery
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
Core Based Statistical Area (CBSA): Coffeyville, KS (#17700)
CBSA Micro Statistical Area: Yes
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $16.7 mil
Equity capital: $4.3 mil
Deposits held in domestic offices: $10.1 mil
Return on assets (ROA): 4.18% ($0.7 mil)
Quarterly return on assets: 4.34% ($0.7 mil)
Return on Equity (ROE): 15.63% ($0.6 mil)
Quarterly return on equity: 16.13% ($0.6 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 4.35% ($727.9 mil)
Quarterly Pretax return on assets: 4.54% ($759.7 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)7
Total assets$16,734
Cash and due from depository institutions$309
Interest-bearing balances$0
Securities$740
Federal funds sold & reverse repurchase agreements$285
Net loans & leases$14,793
Loan loss allowance $245
Trading account assets$0
Bank premises and fixed assets$50
Other real estate owned$178
Goodwill and other intangibles$0
All other assets$379
Life insurance assets$16,734
Total liabilities and capital$12,407
Total liabilities$10,102
Total deposits$7,480
Interest-bearing deposits$10,102
Deposits held in domestic offices$97
% insured (estimated)2000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $305
All other liabilities $4,327
Total equity capital$4,327
Total bank equity capital$4,327
Perpetual preferred stock$0
Common stock$200
Surplus$820
Undivided profits $3,307
Memoranda
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 $271
Earning assets $0
Long-term assets (5+ years) $145
Average Assets, year-to-date $15,818
Average Assets, quarterly $255
Volatile liabilities $16,094
Insider loans $16,131
FHLB advances $13,974
Loans and leases held for sale $16,349
Unused loan commitments $188
Tier 1 (core) risk-based capital $188
Tier 2 risk-based capital $4,327
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $880
Derivatives$91
Back to page top, Back to table top

Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,159
Total interest expense $89
Net interest income $1,070
Provision for loan and lease losses $0
Total noninterest income $219
Fiduciary activities $0
Service charges on deposit accounts $155
Trading account gains & fees $0
Additional noninterest income $64
Total noninterest expense $589
Salaries and employee benefits $275
Premises and equipment expense $46
Additional noninterest expense $268
Pre-tax net operating income $700
Securities gains (losses) $0
Applicable income taxes $28
Income before extraordinary items $672
Extraordinary gains - net $0
Net income attributable to bank $672
Net charge-offs $0
Cash dividends $672
Sale, conversion, retirement of capital stock, net -$8
Net operating income $500
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.63%
Cost of funding earning assets 0.59%
Net interest margin 7.04%
Noninterest income to earning assets 1.44%
Noninterest expense to earning assets 3.88%
Net operating income to assets 4.18%
Return on assets (ROA) 4.18%
Pretax return on assets 4.35%
Return on equity (ROE) 15.63%
Retained earnings to average equity (YTD only) 4.00%
Net charge-offs to loans -0.06%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$45,694
Cash dividends to net income (YTD only)2.39%
Condition Ratios (%)
Loss allowance to loans 74.40%
Loss allowance to noncurrent loans 1.63%
Noncurrent assets plus other real estate owned to assets 90.41%
Noncurrent loans to loans 2.68%
Net loans and leases to deposits1.80%
Net loans and leases to core deposits 146.44%
Equity capital to assets 152.16%
Core capital (leverage) ratio 25.86%
Tier 1 risk-based capital ratio 26.47%
Total risk-based capital ratio 30.96%
Memoranda
Average assets$32
Average earning assets$16,094
Average equity $4,299
Average loans $15,196
Back to page top, Back to table top

1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010860The Peoples State Bank200 West Main Street, Cherryvale, KS 67335January 01, 1880Full Service Brick and Mortar
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Peoples State Bank.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.