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)
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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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