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


The Peoples State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 7Total employees (full-time equivalent)
  • $16,734Total assets
  • $309Cash and due from depository institutions
  • $0Interest-bearing balances
  • $740Securities
  • $285Federal funds sold & reverse repurchase agreements
  • $14,793Net loans & leases
  • $245Loan loss allowance
  • $0Trading account assets
  • $50Bank premises and fixed assets
  • $178Other real estate owned
  • $0Goodwill and other intangibles
  • $16,734Life insurance assets
  • $379All other assets
  • $12,407Total liabilities and capital
  • $10,102Total liabilities
  • $7,480Total deposits
  • $10,102Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 2000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $305Subordinated debt
  • $4,327All other liabilities
  • $4,327Total equity capital
  • $4,327Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $820Surplus
  • $3,307Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $271Income earned, not collected on loans
  • $0Earning assets
  • $145Long-term assets (5+ years)
  • $15,818Average Assets, year-to-date
  • $255Average Assets, quarterly
  • $16,094Volatile liabilities
  • $16,131Insider loans
  • $13,974FHLB advances
  • $16,349Loans and leases held for sale
  • $188Unused loan commitments
  • $188Tier 1 (core) risk-based capital
  • $4,327Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $880Restructured Loans and leases
  • $91Derivatives

Income and Expense (December 31, 2011)

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

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.63%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 7.04%Net interest margin
  • 1.44%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 4.18%Net operating income to assets
  • 4.18%Return on assets (ROA)
  • 4.35%Pretax return on assets
  • 15.63%Return on equity (ROE)
  • 4.00%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 45,694Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.40%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 90.41%Noncurrent assets plus other real estate owned to assets
  • 2.68%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 146.44%Net loans and leases to core deposits
  • 152.16%Equity capital to assets
  • 25.86%Core capital (leverage) ratio
  • 26.47%Tier 1 risk-based capital ratio
  • 30.96%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $16,094Average earning assets
  • $4,299Average equity
  • $15,196Average loans

List of branches

  • 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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