The Peoples State Bank, of Minneola, Kansas - Overview
General
FDIC Certificate #: 10923 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Centera Bank (#16436) Federal Reserve ID: 169859 Date Established: September 11, 1915 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 6995 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 30, 1934 Last Structure Change Effective Date: November 19, 2005 Last Structure Change Process Date: November 28, 2005 Last Data Update: November 28, 2005 Data Source Date: April 05, 2012
Location
Address: 113 Main Street, Minneola, KS 67865 County: Clark 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
Financial Summary
Total assets: $12.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
5Total employees (full-time equivalent)
$13,693Total assets
$431Cash and due from depository institutions
$0Interest-bearing balances
$8,223Securities
$1,200Federal funds sold & reverse repurchase agreements
$3,676Net loans & leases
$29Loan loss allowance
$0Trading account assets
$2Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$161All other assets
$13,693Total liabilities and capital
$12,345Total liabilities
$12,332Total deposits
$10,294Interest-bearing deposits
$12,332Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$13All other liabilities
$1,348Total equity capital
$1,348Total bank equity capital
$1,348Perpetual preferred stock
$0Common stock
$100Surplus
$300Undivided profits
Memoranda
$948Noncurrent loans and leases
$587Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$161Average Assets, year-to-date
$13,099Average Assets, quarterly
$1,046Volatile liabilities
$13,407Insider loans
$13,663FHLB advances
$1,050Loans and leases held for sale
$97Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$587Total unused commitments
$0Restructured Loans and leases
$29Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$627Total interest income
$140Total interest expense
$487Net interest income
-$125Provision for loan and lease losses
$26Total noninterest income
$0Fiduciary activities
$20Service charges on deposit accounts
$0Trading account gains & fees
$6Additional noninterest income
$344Total noninterest expense
$268Salaries and employee benefits
$22Premises and equipment expense
$54Additional noninterest expense
$294Pre-tax net operating income
$2Securities gains (losses)
$7Applicable income taxes
$289Income before extraordinary items
$0Extraordinary gains - net
$289Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$20Sale, conversion, retirement of capital stock, net
$200Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.02%Yield on earning assets
1.12%Cost of funding earning assets
3.90%Net interest margin
0.21%Noninterest income to earning assets
2.76%Noninterest expense to earning assets
2.14%Net operating income to assets
2.16%Return on assets (ROA)
2.21%Pretax return on assets
21.77%Return on equity (ROE)
6.70%Retained earnings to average equity (YTD only)
-0.53%Net charge-offs to loans
625.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
67,057Assets per employee
2.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
69.20%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
29.81%Net loans and leases to core deposits
32.58%Equity capital to assets
9.84%Core capital (leverage) ratio
9.55%Tier 1 risk-based capital ratio
19.02%Total risk-based capital ratio
Memoranda
$19Average assets
$13,407Average earning assets
$1,327Average equity
$12,483Average loans
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