The Farmers & Merchants State Bank of Cawker City - Overview
General
FDIC Certificate #: 17999 Status: Active Federal Reserve ID: 735357 Bank Holding Company (Regulatory Top Holder): F & M State Bancshares, Inc. (RSSDID: 2230249, Location: Cawker City, KS) Date Established: April 05, 1897 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11930 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: May 13, 1959 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: June 21, 2010 Last Data Update: June 21, 2010 Data Source Date: April 05, 2012
Location
Address: 719 Wisconsin St, Cawker City, KS 67430 County: Mitchell 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
Corrections
Merge BIF and SAIF Funds into DIF
Change in Location
Financial Summary
Total assets: $15.7 mil Equity capital: $1.3 mil Deposits held in domestic offices: $12.7 mil Return on assets (ROA): 1.76% ($0.3 mil) Quarterly return on assets: 1.38% ($0.2 mil) Return on Equity (ROE): 21.50% ($0.2 mil) Quarterly return on equity: 16.32% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.76% ($275.8 mil) Quarterly Pretax return on assets: 1.38% ($216.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$15,669Total assets
$489Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$553Federal funds sold & reverse repurchase agreements
$13,956Net loans & leases
$134Loan loss allowance
$0Trading account assets
$171Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$15,669Life insurance assets
$500All other assets
$14,351Total liabilities and capital
$12,656Total liabilities
$10,325Total deposits
$12,656Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,600Trading liabilities
$0Other borrowed funds
$95Subordinated debt
$1,318All other liabilities
$1,318Total equity capital
$1,318Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$300Surplus
$918Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$277Long-term assets (5+ years)
$14,509Average Assets, year-to-date
$4,382Average Assets, quarterly
$16,320Volatile liabilities
$15,608Insider loans
$13,068FHLB advances
$15,563Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,318Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$780Restructured Loans and leases
$747Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$878Total interest income
$224Total interest expense
$654Net interest income
$0Provision for loan and lease losses
$37Total noninterest income
$0Fiduciary activities
$29Service charges on deposit accounts
$0Trading account gains & fees
$8Additional noninterest income
$403Total noninterest expense
$202Salaries and employee benefits
$43Premises and equipment expense
$158Additional noninterest expense
$288Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$288Income before extraordinary items
$0Extraordinary gains - net
$288Net income attributable to bank
$0Net charge-offs
$288Cash dividends
$2Sale, conversion, retirement of capital stock, net
$260Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.70%Yield on earning assets
1.46%Cost of funding earning assets
4.25%Net interest margin
0.24%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
1.76%Net operating income to assets
1.76%Return on assets (ROA)
1.76%Pretax return on assets
21.50%Return on equity (ROE)
2.09%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
144.00%Efficiency ratio
58,321Assets per employee
5.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.28%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
110.27%Net loans and leases to core deposits
144.79%Equity capital to assets
8.41%Core capital (leverage) ratio
8.47%Tier 1 risk-based capital ratio
10.09%Total risk-based capital ratio
Memoranda
$11Average assets
$16,320Average earning assets
$1,340Average equity
$15,394Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11930
The Farmers & Merchants State Bank O
719 Wisconsin St, Cawker City, KS 67430
April 05, 1897
Full Service Brick and Mortar
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