The Cheyenne County State Bank in St. Francis, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 11, 1994

The Cheyenne County State Bank in St. Francis, Kansas (KS)
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The Cheyenne County State Bank - Overview

General
FDIC Certificate #: 14766
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank (#14420)
Federal Reserve ID: 473154
Date Established: August 15, 1906
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 9235
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: September 27, 1934
Last Structure Change Effective Date: April 11, 1994
Last Structure Change Process Date: May 06, 1994
Last Data Update: May 06, 1994
Data Source Date: April 05, 2012
Location
Address: Main Street, St. Francis, KS 67756
County: Cheyenne
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: $33.2 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$33,965Cash and due from depository institutions
$3,436Interest-bearing balances
$2,582Securities
$16,791Federal funds sold & reverse repurchase agreements
$1,650Net loans & leases
$10,991Loan loss allowance
$717Trading account assets
$0Bank premises and fixed assets
$175Other real estate owned
$201Goodwill and other intangibles
$721Life insurance assets
$0All other assets
$0Total liabilities and capital
$33,965Total liabilities
$29,296Total deposits
$29,113Interest-bearing deposits
$25,462Deposits held in domestic offices
29113.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$183Total equity capital
$183Total bank equity capital
$4,669Perpetual preferred stock
$0Common stock
$100Surplus
$400Undivided profits
Memoranda
$4,169Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,189Income earned, not collected on loans
$251Earning assets
$32,014Long-term assets (5+ years)
$4,647Average Assets, year-to-date
$34,712Average Assets, quarterly
$33,443Volatile liabilities
$703Insider loans
$11FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,741Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,669Total risk weighted assets
$16,916Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,311Total interest expense
$988Net interest income
$1,323Provision for loan and lease losses
$0Total noninterest income
$198Fiduciary activities
$0Service charges on deposit accounts
$98Trading account gains & fees
$0Additional noninterest income
$100Total noninterest expense
$1,005Salaries and employee benefits
$563Premises and equipment expense
$59Additional noninterest expense
$383Pre-tax net operating income
$516Securities gains (losses)
$3Applicable income taxes
$121Income before extraordinary items
$398Extraordinary gains - net
$108Net income attributable to bank
$506Net charge-offs
-$107Cash dividends
$500Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.10%Cost of funding earning assets
3.04%Net interest margin
4.07%Noninterest income to earning assets
0.61%Noninterest expense to earning assets
3.09%Net operating income to assets
1.14%Return on assets (ROA)
1.46%Pretax return on assets
1.81%Return on equity (ROE)
10.86%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
-0.85%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,075Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
98.81%Loss allowance to loans
6.12%Loss allowance to noncurrent loans
60.30%Noncurrent assets plus other real estate owned to assets
4.09%Noncurrent loans to loans
10.16%Net loans and leases to deposits
37.75%Net loans and leases to core deposits
38.69%Equity capital to assets
13.75%Core capital (leverage) ratio
13.99%Tier 1 risk-based capital ratio
27.60%Total risk-based capital ratio
Memoranda
$29Average assets
$34,712Average earning assets
$4,659Average equity
$32,544Average loans

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