FDIC Certificate #: 15352 Status: Active Federal Reserve ID: 138752 Date Established: October 01, 1919 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 #: 9681 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: Febuary 11, 1936 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: 411 Page Street, Atwood, KS 67730 County: Rawlins 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
Financial Summary
Total assets: $23.8 mil Equity capital: $2.0 mil Deposits held in domestic offices: $21.6 mil Return on assets (ROA): 0.77% ($0.2 mil) Quarterly return on assets: 0.62% ($0.1 mil) Return on Equity (ROE): 9.34% ($0.2 mil) Quarterly return on equity: 7.29% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.09% ($259.0 mil) Quarterly Pretax return on assets: 1.16% ($275.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$23,762Total assets
$3,210Cash and due from depository institutions
$0Interest-bearing balances
$5,011Securities
$3,190Federal funds sold & reverse repurchase agreements
$11,861Net loans & leases
$246Loan loss allowance
$0Trading account assets
$53Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$23,762Life insurance assets
$437All other assets
$21,712Total liabilities and capital
$21,634Total liabilities
$19,092Total deposits
$21,634Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$78Subordinated debt
$2,050All other liabilities
$2,050Total equity capital
$2,050Total bank equity capital
$0Perpetual preferred stock
$190Common stock
$182Surplus
$1,678Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$36Income earned, not collected on loans
$0Earning assets
$238Long-term assets (5+ years)
$20,062Average Assets, year-to-date
$901Average Assets, quarterly
$23,885Volatile liabilities
$23,831Insider loans
$13,737FHLB advances
$24,228Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,050Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,599Restructured Loans and leases
$109Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$873Total interest income
$194Total interest expense
$679Net interest income
$12Provision for loan and lease losses
$84Total noninterest income
$0Fiduciary activities
$78Service charges on deposit accounts
$0Trading account gains & fees
$6Additional noninterest income
$490Total noninterest expense
$310Salaries and employee benefits
$14Premises and equipment expense
$166Additional noninterest expense
$261Pre-tax net operating income
$0Securities gains (losses)
$78Applicable income taxes
$183Income before extraordinary items
$0Extraordinary gains - net
$183Net income attributable to bank
$0Net charge-offs
$183Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
0.95%Cost of funding earning assets
3.32%Net interest margin
0.41%Noninterest income to earning assets
2.40%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
1.09%Pretax return on assets
9.34%Return on equity (ROE)
9.34%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,220Assets per employee
4.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
683.33%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.30%Net loans and leases to deposits
54.83%Net loans and leases to core deposits
54.83%Equity capital to assets
8.63%Core capital (leverage) ratio
8.46%Tier 1 risk-based capital ratio
14.92%Total risk-based capital ratio
Memoranda
$16Average assets
$23,885Average earning assets
$1,958Average equity
$20,433Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9681
The Farmers State Bank
411 Page Street, Atwood, KS 67730
October 01, 1919
Full Service Brick and Mortar
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