State Bank of Downs in Downs, Kansas (KS), CO
Overview, Financial Summary, Detailed Financial Reports, Branches


  • State Bank of Downs in Downs, Kansas (KS), CO
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State Bank of Downs routing number info

State Bank of Downs - Overview

  • General
  • FDIC Certificate #: 9659
    Status: Active
    Federal Reserve ID: 792453
    Bank Holding Company (Regulatory Top Holder): B Bank, Inc. (RSSDID: 1143575, Location: Downs, KS)
    Date Established: January 01, 1892
    WWW: http://www.statebankofdowns.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: Yes)
    FDIC's unique #: 6178
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 03, 2007
    Last Structure Change Process Date: October 01, 2007
    Last Data Update: October 01, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 900 Morgan Avenue, Downs, KS 67437
    County: Osborne
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $58.3 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $45.9 mil
    Return on assets (ROA): 0.62% ($0.4 mil)
    Quarterly return on assets: -0.10% (-$0.1 mil)
    Return on Equity (ROE): 4.60% ($0.4 mil)
    Quarterly return on equity: -0.75% (-$0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.64% ($372.8 mil)
    Quarterly Pretax return on assets: -0.10% (-$58.3 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
  • 17Total employees (full-time equivalent)
  • $58,251Total assets
  • $6,668Cash and due from depository institutions
  • $4,090Interest-bearing balances
  • $1,256Securities
  • $6Federal funds sold & reverse repurchase agreements
  • $47,397Net loans & leases
  • $697Loan loss allowance
  • $0Trading account assets
  • $181Bank premises and fixed assets
  • $1,455Other real estate owned
  • $0Goodwill and other intangibles
  • $58,251Life insurance assets
  • $1,288All other assets
  • $50,364Total liabilities and capital
  • $45,867Total liabilities
  • $38,888Total deposits
  • $45,867Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,400Trading liabilities
  • $0Other borrowed funds
  • $97Subordinated debt
  • $7,887All other liabilities
  • $7,887Total equity capital
  • $7,887Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $750Surplus
  • $6,937Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $329Income earned, not collected on loans
  • $0Earning assets
  • $483Long-term assets (5+ years)
  • $52,749Average Assets, year-to-date
  • $5,561Average Assets, quarterly
  • $59,244Volatile liabilities
  • $58,214Insider loans
  • $56,739FHLB advances
  • $58,770Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,886Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,040Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,064Total interest income
  • $586Total interest expense
  • $2,478Net interest income
  • $493Provision for loan and lease losses
  • $313Total noninterest income
  • $0Fiduciary activities
  • $36Service charges on deposit accounts
  • $0Trading account gains & fees
  • $277Additional noninterest income
  • $1,916Total noninterest expense
  • $1,120Salaries and employee benefits
  • $120Premises and equipment expense
  • $676Additional noninterest expense
  • $382Pre-tax net operating income
  • $0Securities gains (losses)
  • $16Applicable income taxes
  • $366Income before extraordinary items
  • $0Extraordinary gains - net
  • $366Net income attributable to bank
  • $0Net charge-offs
  • $366Cash dividends
  • $493Sale, conversion, retirement of capital stock, net
  • $261Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.64%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 4.60%Return on equity (ROE)
  • 1.32%Retained earnings to average equity (YTD only)
  • 1.05%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 1.77%Efficiency ratio
  • 68,649Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.31%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 211.85%Noncurrent assets plus other real estate owned to assets
  • 3.06%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 103.34%Net loans and leases to core deposits
  • 103.34%Equity capital to assets
  • 13.54%Core capital (leverage) ratio
  • 13.42%Tier 1 risk-based capital ratio
  • 13.90%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $59,244Average earning assets
  • $7,959Average equity
  • $54,365Average loans

List of branches

  • 1 Colorado Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    2472089Berkley Bank7887 East Belleview Avenue, Englewood, CO 80111Febuary 27, 2008Full Service Brick and Mortar
  • 1 Kansas Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06178State Bank Of Downs900 Morgan Avenue, Downs, KS 67437January 01, 1892Full Service Brick and Mortar

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