FDIC Certificate #: 15793 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peoples Bank and Trust Company (#1365) Federal Reserve ID: 173753 Date Established: January 01, 1934 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 10039 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 13, 1941 Last Structure Change Effective Date: June 15, 1998 Last Structure Change Process Date: July 15, 1998 Last Data Update: July 15, 1998 Data Source Date: April 05, 2012
Location
Address: 76 North Nickerson Street, Nickerson, KS 67561 County: Reno 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): Hutchinson, KS (#26740) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $28.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
18Total employees (full-time equivalent)
$26,693Total assets
$1,620Cash and due from depository institutions
$0Interest-bearing balances
$4,286Securities
$1,093Federal funds sold & reverse repurchase agreements
$17,879Net loans & leases
$189Loan loss allowance
$0Trading account assets
$1,186Bank premises and fixed assets
$0Other real estate owned
$336Goodwill and other intangibles
$0Life insurance assets
$293All other assets
$26,693Total liabilities and capital
$24,449Total liabilities
$24,161Total deposits
$20,414Interest-bearing deposits
$24,161Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$288All other liabilities
$2,244Total equity capital
$2,244Total bank equity capital
$2,244Perpetual preferred stock
$0Common stock
$60Surplus
$1,900Undivided profits
Memoranda
$284Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3Earning assets
$0Long-term assets (5+ years)
$196Average Assets, year-to-date
$23,258Average Assets, quarterly
$500Volatile liabilities
$25,038Insider loans
$26,764FHLB advances
$3,451Loans and leases held for sale
$836Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,759Total unused commitments
$0Restructured Loans and leases
$18,059Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$1,911Total interest income
$868Total interest expense
$1,043Net interest income
$30Provision for loan and lease losses
$305Total noninterest income
$0Fiduciary activities
$138Service charges on deposit accounts
$0Trading account gains & fees
$167Additional noninterest income
$1,100Total noninterest expense
$605Salaries and employee benefits
$141Premises and equipment expense
$354Additional noninterest expense
$218Pre-tax net operating income
$0Securities gains (losses)
$96Applicable income taxes
$122Income before extraordinary items
$0Extraordinary gains - net
$122Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.69%Yield on earning assets
3.95%Cost of funding earning assets
4.74%Net interest margin
1.39%Noninterest income to earning assets
5.00%Noninterest expense to earning assets
0.49%Net operating income to assets
0.49%Return on assets (ROA)
0.87%Pretax return on assets
5.61%Return on equity (ROE)
5.61%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
79,451Assets per employee
1.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.05%Loss allowance to noncurrent loans
6300.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
74.00%Net loans and leases to core deposits
86.33%Equity capital to assets
8.41%Core capital (leverage) ratio
7.16%Tier 1 risk-based capital ratio
10.52%Total risk-based capital ratio
Memoranda
$12Average assets
$25,038Average earning assets
$2,173Average equity
$21,995Average loans
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