Community State Bank in Hanover, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 02, 1996

Community State Bank in Hanover, Kansas (KS)
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Community State Bank - Overview

General
FDIC Certificate #: 12603
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Citizens State Bank (#14269)
Federal Reserve ID: 930956
Date Established: January 01, 1921
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 8002
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: July 02, 1996
Last Structure Change Process Date: July 26, 1996
Last Data Update: July 26, 1996
Data Source Date: April 05, 2012
Location
Address: 101 West North Street, Hanover, KS 66945
County: Washington
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
Financial Summary
Total assets: $24.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$26,066Cash and due from depository institutions
$897Interest-bearing balances
$14Securities
$11,781Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$12,498Loan loss allowance
$374Trading account assets
$0Bank premises and fixed assets
$280Other real estate owned
$0Goodwill and other intangibles
$587Life insurance assets
$23All other assets
$0Total liabilities and capital
$26,066Total liabilities
$22,705Total deposits
$22,239Interest-bearing deposits
$19,875Deposits held in domestic offices
22239.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$300Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$166Total equity capital
$166Total bank equity capital
$3,361Perpetual preferred stock
$0Common stock
$100Surplus
$150Undivided profits
Memoranda
$3,111Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$470Income earned, not collected on loans
$267Earning assets
$24,293Long-term assets (5+ years)
$6,810Average Assets, year-to-date
$25,499Average Assets, quarterly
$25,731Volatile liabilities
$3,038Insider loans
$86FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,081Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,311Total risk weighted assets
$17,264Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$1,934Total interest expense
$851Net interest income
$1,083Provision for loan and lease losses
$0Total noninterest income
$116Fiduciary activities
$0Service charges on deposit accounts
$31Trading account gains & fees
$0Additional noninterest income
$85Total noninterest expense
$933Salaries and employee benefits
$583Premises and equipment expense
$83Additional noninterest expense
$267Pre-tax net operating income
$266Securities gains (losses)
$0Applicable income taxes
$23Income before extraordinary items
$243Extraordinary gains - net
$0Net income attributable to bank
$243Net charge-offs
-$9Cash dividends
$5Sale, 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
8.12%Cost of funding earning assets
3.57%Net interest margin
4.55%Noninterest income to earning assets
0.49%Noninterest expense to earning assets
3.92%Net operating income to assets
0.95%Return on assets (ROA)
0.95%Pretax return on assets
1.04%Return on equity (ROE)
7.58%Retained earnings to average equity (YTD only)
7.42%Net charge-offs to loans
-0.07%Credit loss provision to net charge-offs
0.00%Efficiency ratio
76,647Assets per employee
1.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
2.06%Loss allowance to loans
2.91%Loss allowance to noncurrent loans
79.57%Noncurrent assets plus other real estate owned to assets
1.80%Noncurrent loans to loans
3.65%Net loans and leases to deposits
56.20%Net loans and leases to core deposits
64.09%Equity capital to assets
12.89%Core capital (leverage) ratio
12.88%Tier 1 risk-based capital ratio
19.18%Total risk-based capital ratio
Memoranda
$20Average assets
$25,499Average earning assets
$3,207Average equity
$23,815Average loans

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