Mutual Savings Association, FSA in Leavenworth, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Mutual Savings Association, FSA in Leavenworth, Kansas (KS)
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Mutual Savings Association, FSA - Overview

  • General
  • FDIC Certificate #: 29988
    Status: Active
    Federal Reserve ID: 636276
    Date Established: January 01, 1888
    WWW: http://www.mutualwave.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 4492
    FDIC's unique #: 42822
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: October 24, 1949
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 South 4th St, Leavenworth, KS 66048
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $217.9 mil
    Equity capital: $50.8 mil
    Deposits held in domestic offices: $159.3 mil
    Return on assets (ROA): -0.81% (-$1.8 mil)
    Quarterly return on assets: -3.65% (-$8.0 mil)
    Return on Equity (ROE): -3.53% (-$1.8 mil)
    Quarterly return on equity: -15.49% (-$7.9 mil)
    Net income: -$1.9 mil
    Quarterly Net income: -$2.0 mil
    Pretax return on assets: -1.43% (-$3,115.3 mil)
    Quarterly Pretax return on assets: -5.82% (-$12,679.0 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
  • 50Total employees (full-time equivalent)
  • $217,853Total assets
  • $10,234Cash and due from depository institutions
  • $9,339Interest-bearing balances
  • $61,865Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $122,419Net loans & leases
  • $1,607Loan loss allowance
  • $0Trading account assets
  • $2,061Bank premises and fixed assets
  • $2,436Other real estate owned
  • $0Goodwill and other intangibles
  • $217,856Life insurance assets
  • $18,838All other assets
  • $167,060Total liabilities and capital
  • $159,301Total liabilities
  • $151,857Total deposits
  • $159,301Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $1,759Subordinated debt
  • $50,796All other liabilities
  • $50,796Total equity capital
  • $50,796Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $50,796Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,880Income earned, not collected on loans
  • $0Earning assets
  • $997Long-term assets (5+ years)
  • $193,623Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $229,084Volatile liabilities
  • $220,159Insider loans
  • $168,548FHLB advances
  • $220,527Loans and leases held for sale
  • $11,770Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $53,470Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,431Restructured Loans and leases
  • $1,613Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,366Total interest income
  • $3,208Total interest expense
  • $8,158Net interest income
  • $1,919Provision for loan and lease losses
  • $1,728Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,452Additional noninterest income
  • $5,898Total noninterest expense
  • $3,470Salaries and employee benefits
  • $722Premises and equipment expense
  • $1,706Additional noninterest expense
  • $2,069Pre-tax net operating income
  • -$5,343Securities gains (losses)
  • -$1,417Applicable income taxes
  • -$1,857Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,857Net income attributable to bank
  • $0Net charge-offs
  • -$1,857Cash dividends
  • $1,791Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 1.56%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • -0.81%Return on assets (ROA)
  • -1.43%Pretax return on assets
  • -3.53%Return on equity (ROE)
  • -3.53%Retained earnings to average equity (YTD only)
  • 1.41%Net charge-offs to loans
  • 107.15%Credit loss provision to net charge-offs
  • 2.23%Efficiency ratio
  • 59,660Assets per employee
  • 4.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 16.27%Noncurrent assets plus other real estate owned to assets
  • 5.65%Noncurrent loans to loans
  • 7.97%Net loans and leases to deposits
  • 76.85%Net loans and leases to core deposits
  • 93.50%Equity capital to assets
  • 23.32%Core capital (leverage) ratio
  • 24.25%Tier 1 risk-based capital ratio
  • 31.72%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $229,084Average earning assets
  • $52,544Average equity
  • $205,838Average loans

List of branches

  • 6 Kansas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042822Mutual Savings Association, Fsa100 South 4th St, Leavenworth, KS 66048January 01, 1888Full Service Brick and Mortar
    1278087403 East 4th Street Branch403 East 4th Street, Tonganoxie, KS 66086January 01, 1888Full Service Brick and Mortar
    2278088Leavenworth Plaza Shopping Center Br3400 South Fourth Street, Leavenworth, KS 66048January 01, 1888Full Service Brick and Mortar
    3278089515 Delaware Branch515 Delaware, Oskaloosa, KS 66066January 01, 1888Full Service Brick and Mortar
    1002780908th & Main Branch801 Main, Eudora, KS 66025January 01, 1888Full Service Brick and Mortar
    101278091Bonner Springs Branch229 Oak, Bonner Springs, KS 66012December 01, 1997Full Service Brick and Mortar

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