The Peoples State Bank in Cherryvale, Kansas (KS)

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The Peoples State Bank routing number info

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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
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
Undivided profits $3,307
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
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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
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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%
Average assets$32
Average earning assets$16,094
Average equity $4,299
Average loans $15,196
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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
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