FDIC Certificate #: 14636 Status: Active Federal Reserve ID: 723756 Bank Holding Company (Regulatory Top Holder): Stockgrowers State Bank Employee Stock Ownership Plan (RSSDID: 3343070, Location: Ashland, KS) Date Established: December 05, 1905 WWW:http://www.peoplesbankcoldwater.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9151 Numeric code: 13 Regulator: FED 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: August 06, 1934 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: 101 East Main Street, Coldwater, KS 67029 County: Comanche 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
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $45.2 mil Equity capital: $5.4 mil Deposits held in domestic offices: $39.6 mil Return on assets (ROA): 0.56% ($0.3 mil) Quarterly return on assets: 0.45% ($0.2 mil) Return on Equity (ROE): 4.53% ($0.2 mil) Quarterly return on equity: 3.72% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.58% ($261.9 mil) Quarterly Pretax return on assets: 0.47% ($212.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
14Total employees (full-time equivalent)
$45,160Total assets
$1,419Cash and due from depository institutions
$950Interest-bearing balances
$19,471Securities
$5,102Federal funds sold & reverse repurchase agreements
$16,773Net loans & leases
$304Loan loss allowance
$0Trading account assets
$683Bank premises and fixed assets
$0Other real estate owned
$578Goodwill and other intangibles
$45,159Life insurance assets
$1,134All other assets
$39,787Total liabilities and capital
$39,555Total liabilities
$34,298Total deposits
$39,555Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$100Trading liabilities
$0Other borrowed funds
$132Subordinated debt
$5,372All other liabilities
$5,372Total equity capital
$5,372Total bank equity capital
$0Perpetual preferred stock
$190Common stock
$2,253Surplus
$2,929Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$434Income earned, not collected on loans
$0Earning assets
$287Long-term assets (5+ years)
$42,296Average Assets, year-to-date
$8,756Average Assets, quarterly
$42,229Volatile liabilities
$44,725Insider loans
$24,521FHLB advances
$43,781Loans and leases held for sale
$439Unused loan commitments
$439Tier 1 (core) risk-based capital
$4,491Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,039Restructured Loans and leases
$1,549Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,519Total interest income
$295Total interest expense
$1,224Net interest income
$36Provision for loan and lease losses
$281Total noninterest income
$0Fiduciary activities
$99Service charges on deposit accounts
$0Trading account gains & fees
$182Additional noninterest income
$1,224Total noninterest expense
$655Salaries and employee benefits
$245Premises and equipment expense
$324Additional noninterest expense
$245Pre-tax net operating income
$0Securities gains (losses)
$10Applicable income taxes
$235Income before extraordinary items
$0Extraordinary gains - net
$235Net income attributable to bank
$0Net charge-offs
$235Cash dividends
$27Sale, conversion, retirement of capital stock, net
$105Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.88%Yield on earning assets
0.75%Cost of funding earning assets
3.13%Net interest margin
0.72%Noninterest income to earning assets
3.13%Noninterest expense to earning assets
0.56%Net operating income to assets
0.56%Return on assets (ROA)
0.58%Pretax return on assets
4.53%Return on equity (ROE)
2.50%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
133.33%Credit loss provision to net charge-offs
10.41%Efficiency ratio
81,329Assets per employee
3.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.68%Loss allowance to loans
1.78%Loss allowance to noncurrent loans
70.05%Noncurrent assets plus other real estate owned to assets
0.96%Noncurrent loans to loans
2.54%Net loans and leases to deposits
42.40%Net loans and leases to core deposits
43.85%Equity capital to assets
11.90%Core capital (leverage) ratio
10.26%Tier 1 risk-based capital ratio
18.31%Total risk-based capital ratio
Memoranda
$20Average assets
$42,229Average earning assets
$5,192Average equity
$39,167Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9151
Peoples Bank
101 East Main Street, Coldwater, KS 67029
December 05, 1905
Full Service Brick and Mortar
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