The Peoples State Bank and Trust Company in Ellinwood, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 05, 1996

  • The Peoples State Bank and Trust Company in Ellinwood, Kansas (KS)
  • Show street view No street view available for this location

The Peoples State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 12133
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sunflower Bank, National Association (#4767)
    Federal Reserve ID: 832153
    Date Established: March 08, 1908
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 10297
    FDIC's unique #: 7710
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 05, 1996
    Last Structure Change Process Date: April 11, 1996
    Last Data Update: April 11, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: North Main Street, Ellinwood, KS 67526
    County: Barton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Great Bend, KS (#24460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $56.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $22Total assets
  • $54,886Cash and due from depository institutions
  • $9,636Interest-bearing balances
  • $7,200Securities
  • $15,674Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $27,314Loan loss allowance
  • $465Trading account assets
  • $0Bank premises and fixed assets
  • $1,391Other real estate owned
  • $0Goodwill and other intangibles
  • $696Life insurance assets
  • $175All other assets
  • $0Total liabilities and capital
  • $54,886Total liabilities
  • $49,549Total deposits
  • $48,123Interest-bearing deposits
  • $43,138Deposits held in domestic offices
  • 48123.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,000Subordinated debt
  • $0All other liabilities
  • $426Total equity capital
  • $426Total bank equity capital
  • $5,337Perpetual preferred stock
  • $0Common stock
  • $2,225Surplus
  • $1,709Undivided profits
  • Memoranda
  • $1,403Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,075Income earned, not collected on loans
  • $438Earning assets
  • $50,188Long-term assets (5+ years)
  • $3,789Average Assets, year-to-date
  • $55,362Average Assets, quarterly
  • $57,436Volatile liabilities
  • $7,153Insider loans
  • $921FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,959Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,190Total risk weighted assets
  • $33,854Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,273Total interest expense
  • $2,098Net interest income
  • $2,175Provision for loan and lease losses
  • $0Total noninterest income
  • $277Fiduciary activities
  • $0Service charges on deposit accounts
  • $192Trading account gains & fees
  • $0Additional noninterest income
  • $85Total noninterest expense
  • $1,673Salaries and employee benefits
  • $728Premises and equipment expense
  • $213Additional noninterest expense
  • $732Pre-tax net operating income
  • $779Securities gains (losses)
  • -$3Applicable income taxes
  • $141Income before extraordinary items
  • $635Extraordinary gains - net
  • $0Net income attributable to bank
  • $635Net charge-offs
  • $0Cash dividends
  • $289Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.39%Cost of funding earning assets
  • 4.12%Net interest margin
  • 4.27%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 3.28%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 1.40%Return on equity (ROE)
  • 12.61%Retained earnings to average equity (YTD only)
  • 6.87%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,762Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.51%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 43.26%Noncurrent assets plus other real estate owned to assets
  • 1.96%Noncurrent loans to loans
  • 3.87%Net loans and leases to deposits
  • 56.76%Net loans and leases to core deposits
  • 65.08%Equity capital to assets
  • 9.72%Core capital (leverage) ratio
  • 8.98%Tier 1 risk-based capital ratio
  • 15.33%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $55,362Average earning assets
  • $5,035Average equity
  • $50,957Average loans

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