FDIC Certificate #: 34197 Status: Inactive Closing history: Corrections Acquiring institution:Peoples Bank (#33960) Federal Reserve ID: 2006574 Date Established: July 01, 1996 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 6 (Interstate: No) OTS Docket #: 14482 FDIC's unique #: 56855 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: July 01, 1996 Last Structure Change Effective Date: January 01, 1999 Last Structure Change Process Date: March 04, 1999 Last Data Update: March 04, 1999 Data Source Date: April 05, 2012
Location
Address: 7810 West 151st Street, Overland Park, KS 66223 County: Johnson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $77.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
62Total employees (full-time equivalent)
$77,398Total assets
$9,196Cash and due from depository institutions
$7,040Interest-bearing balances
$4,087Securities
$0Federal funds sold & reverse repurchase agreements
$60,693Net loans & leases
$402Loan loss allowance
$0Trading account assets
$2,011Bank premises and fixed assets
$257Other real estate owned
$331Goodwill and other intangibles
$0Life insurance assets
$823All other assets
$77,398Total liabilities and capital
$71,556Total liabilities
$70,628Total deposits
$60,186Interest-bearing deposits
$70,628Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$928All other liabilities
$5,842Total equity capital
$5,842Total bank equity capital
$5,842Perpetual preferred stock
$0Common stock
$500Surplus
$3,130Undivided profits
Memoranda
$2,212Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$534Earning assets
$0Long-term assets (5+ years)
$367Average Assets, year-to-date
$71,820Average Assets, quarterly
$390Volatile liabilities
$68,517Insider loans
$75,064FHLB advances
$6,671Loans and leases held for sale
$28Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,313Total risk weighted assets
$12,723Total unused commitments
$0Restructured Loans and leases
$58,941Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$6,324Total interest income
$2,554Total interest expense
$3,770Net interest income
$76Provision for loan and lease losses
$2,522Total noninterest income
$0Fiduciary activities
$335Service charges on deposit accounts
$0Trading account gains & fees
$2,187Additional noninterest income
$4,265Total noninterest expense
$2,714Salaries and employee benefits
$500Premises and equipment expense
$1,051Additional noninterest expense
$1,951Pre-tax net operating income
$0Securities gains (losses)
$565Applicable income taxes
$1,386Income before extraordinary items
$0Extraordinary gains - net
$1,386Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$34Sale, conversion, retirement of capital stock, net
$425Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
10.03%Yield on earning assets
4.05%Cost of funding earning assets
5.98%Net interest margin
4.00%Noninterest income to earning assets
6.77%Noninterest expense to earning assets
2.02%Net operating income to assets
2.02%Return on assets (ROA)
2.85%Pretax return on assets
26.34%Return on equity (ROE)
18.26%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
223.53%Credit loss provision to net charge-offs
59.62%Efficiency ratio
67,196Assets per employee
1.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
30.66%Loss allowance to loans
0.66%Loss allowance to noncurrent loans
75.28%Noncurrent assets plus other real estate owned to assets
1.02%Noncurrent loans to loans
0.87%Net loans and leases to deposits
85.93%Net loans and leases to core deposits
94.90%Equity capital to assets
7.55%Core capital (leverage) ratio
7.33%Tier 1 risk-based capital ratio
9.34%Total risk-based capital ratio
Memoranda
$10Average assets
$68,517Average earning assets
$5,263Average equity
$63,034Average loans
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