First State Bank and Trust in city_name, state_name - Detailed Financial Reports, Location

First State Bank and Trust in Tonganoxie, Kansas (KS)
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First State Bank and Trust routing number info

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First State Bank and Trust - Overview

General
FDIC Certificate #: 14974
Status: Active
Federal Reserve ID: 605656
Bank Holding Company (Regulatory Top Holder): Tonganoxie Bankshares, Inc. (RSSDID: 1059340, Location: Tonganoxie, KS)
Date Established: December 22, 1934
WWW: http://www.firststateks.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 13697
FDIC's unique #: 9381
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 08, 1935
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: 400 Bury Street, Tonganoxie, KS 66086
County: Leavenworth
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
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $232.8 mil
Equity capital: $21.3 mil
Deposits held in domestic offices: $199.7 mil
Return on assets (ROA): 0.21% ($0.5 mil)
Quarterly return on assets: -0.94% (-$2.2 mil)
Return on Equity (ROE): 2.41% ($0.5 mil)
Quarterly return on equity: -10.29% (-$2.2 mil)
Net income: $0.5 mil
Quarterly Net income: -$0.6 mil
Pretax return on assets: 0.21% ($488.8 mil)
Quarterly Pretax return on assets: -1.62% (-$3,770.9 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
92Total employees (full-time equivalent)
$232,769Total assets
$15,370Cash and due from depository institutions
$10,704Interest-bearing balances
$25,285Securities
$0Federal funds sold & reverse repurchase agreements
$150,029Net loans & leases
$4,076Loan loss allowance
$0Trading account assets
$9,269Bank premises and fixed assets
$19,628Other real estate owned
$10Goodwill and other intangibles
$232,769Life insurance assets
$13,178All other assets
$211,471Total liabilities and capital
$199,726Total liabilities
$165,564Total deposits
$199,726Interest-bearing deposits
$92Deposits held in domestic offices
10.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,275Trading liabilities
$4,000Other borrowed funds
$1,460Subordinated debt
$21,298All other liabilities
$21,298Total equity capital
$21,298Total bank equity capital
$0Perpetual preferred stock
$282Common stock
$8,912Surplus
$12,104Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,526Income earned, not collected on loans
$0Earning assets
$1,291Long-term assets (5+ years)
$186,018Average Assets, year-to-date
$39,427Average Assets, quarterly
$250,078Volatile liabilities
$234,989Insider loans
$173,784FHLB advances
$235,377Loans and leases held for sale
$4,665Unused loan commitments
$4,665Tier 1 (core) risk-based capital
$17,697Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$24,156Restructured Loans and leases
$79Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,616Total interest income
$2,652Total interest expense
$8,964Net interest income
$1,923Provision for loan and lease losses
$6,474Total noninterest income
$48Fiduciary activities
$1,173Service charges on deposit accounts
$0Trading account gains & fees
$5,253Additional noninterest income
$13,097Total noninterest expense
$6,381Salaries and employee benefits
$1,587Premises and equipment expense
$5,129Additional noninterest expense
$418Pre-tax net operating income
$96Securities gains (losses)
-$3Applicable income taxes
$517Income before extraordinary items
$0Extraordinary gains - net
$517Net income attributable to bank
$0Net charge-offs
$517Cash dividends
$2,991Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.64%Yield on earning assets
1.29%Cost of funding earning assets
4.36%Net interest margin
3.15%Noninterest income to earning assets
6.36%Noninterest expense to earning assets
0.17%Net operating income to assets
0.21%Return on assets (ROA)
0.21%Pretax return on assets
2.41%Return on equity (ROE)
2.41%Retained earnings to average equity (YTD only)
1.68%Net charge-offs to loans
64.29%Credit loss provision to net charge-offs
0.78%Efficiency ratio
84,726Assets per employee
2.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.64%Loss allowance to noncurrent loans
62.46%Noncurrent assets plus other real estate owned to assets
11.24%Noncurrent loans to loans
4.23%Net loans and leases to deposits
75.12%Net loans and leases to core deposits
76.75%Equity capital to assets
9.15%Core capital (leverage) ratio
7.52%Tier 1 risk-based capital ratio
10.18%Total risk-based capital ratio
Memoranda
$13Average assets
$250,078Average earning assets
$21,427Average equity
$205,821Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$5,459Managed Assets
1Number of Accounts
$5,459Personal trust and agency accounts
$4,969Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$490Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
19Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

8 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9381	First State Bank And Trust	400 Bury Street, Tonganoxie, KS 66086	December 22, 1934	Full Service Brick and Mortar
2	232642	Basehor Branch	15506 Pinehurst Drive, Basehor, KS 66007	January 04, 1990	Full Service Brick and Mortar
4	232643	Lawrence Vermont Branch	609 Vermont, Lawrence, KS 66044	June 18, 1997	Full Service Brick and Mortar
5	232644	Tonganoxie Highway Branch	1525 Highway 24-40, Tonganoxie, KS 66086	November 16, 1998	Full Service Brick and Mortar
7	360732	Lawrence Monterey Branch	3901 West Sixth Street, Lawrence, KS 66049	July 16, 2001	Full Service Brick and Mortar
8	8556	Perry Branch	402 Plaza Drive, Perry, KS 66073	January 12, 1893	Full Service Brick and Mortar
9	468663	Courier Branch Service	400 Bury Street, Tonganoxie, KS 66086	October 22, 2007
10	475486	First Legend Bank And Trust	10900 Parallel Parkway, Kansas City, KS 66109	May 19, 2008	Full Service Brick and Mortar

First State Bank and Trust in Tonganoxie, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank and Trust in Tonganoxie, Kansas (KS)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First State Bank and Trust in Tonganoxie, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches