The Farmers State Bank in Offerle, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 03, 1995

The Farmers State Bank in Offerle, Kansas (KS)
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The Farmers State Bank - Overview

General
FDIC Certificate #: 17400
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Girard National Bank (#4673)
Federal Reserve ID: 280053
Date Established: September 26, 1908
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 11398
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: Febuary 10, 1955
Last Structure Change Effective Date: January 03, 1995
Last Structure Change Process Date: January 12, 1995
Last Data Update: January 12, 1995
Data Source Date: April 05, 2012
Location
Address: Main And Front Street, Offerle, KS 67563
County: Edwards
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: $11.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$7Total assets
$11,192Cash and due from depository institutions
$479Interest-bearing balances
$0Securities
$2,452Federal funds sold & reverse repurchase agreements
$400Net loans & leases
$7,460Loan loss allowance
$155Trading account assets
$0Bank premises and fixed assets
$80Other real estate owned
$20Goodwill and other intangibles
$301Life insurance assets
$0All other assets
$0Total liabilities and capital
$11,192Total liabilities
$10,085Total deposits
$10,049Interest-bearing deposits
$8,106Deposits held in domestic offices
10049.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$36Total equity capital
$36Total bank equity capital
$1,107Perpetual preferred stock
$0Common stock
$180Surplus
$360Undivided profits
Memoranda
$567Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$59Income earned, not collected on loans
$219Earning assets
$10,312Long-term assets (5+ years)
$230Average Assets, year-to-date
$12,084Average Assets, quarterly
$11,484Volatile liabilities
$928Insider loans
$75FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$382Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,151Total risk weighted assets
$7,790Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$878Total interest expense
$361Net interest income
$517Provision for loan and lease losses
$23Total noninterest income
$66Fiduciary activities
$0Service charges on deposit accounts
$53Trading account gains & fees
$0Additional noninterest income
$13Total noninterest expense
$438Salaries and employee benefits
$233Premises and equipment expense
$59Additional noninterest expense
$146Pre-tax net operating income
$122Securities gains (losses)
$0Applicable income taxes
$27Income before extraordinary items
$95Extraordinary gains - net
$0Net income attributable to bank
$95Net charge-offs
$9Cash dividends
$50Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.85%Cost of funding earning assets
3.23%Net interest margin
4.62%Noninterest income to earning assets
0.59%Noninterest expense to earning assets
3.92%Net operating income to assets
0.79%Return on assets (ROA)
0.79%Pretax return on assets
1.01%Return on equity (ROE)
8.75%Retained earnings to average equity (YTD only)
4.14%Net charge-offs to loans
0.12%Credit loss provision to net charge-offs
255.56%Efficiency ratio
75,129Assets per employee
1.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.63%Loss allowance to loans
2.04%Loss allowance to noncurrent loans
262.71%Noncurrent assets plus other real estate owned to assets
0.71%Noncurrent loans to loans
0.77%Net loans and leases to deposits
74.24%Net loans and leases to core deposits
81.79%Equity capital to assets
9.89%Core capital (leverage) ratio
10.14%Tier 1 risk-based capital ratio
14.77%Total risk-based capital ratio
Memoranda
$16Average assets
$12,084Average earning assets
$1,086Average equity
$11,186Average loans

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