FDIC Certificate #: 17632 Status: Active Federal Reserve ID: 976954 Date Established: January 01, 1921 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 #: 11600 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: July 18, 1956 Last Structure Change Effective Date: June 24, 2010 Last Structure Change Process Date: July 01, 2010 Last Data Update: July 01, 2010 Data Source Date: April 05, 2012
Location
Address: 624 Main Street, Dwight, KS 66849 County: Morris 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
Change in Location
Financial Summary
Total assets: $15.2 mil Equity capital: $1.9 mil Deposits held in domestic offices: $13.3 mil Return on assets (ROA): 0.15% ($0.0 mil) Quarterly return on assets: -1.90% (-$0.3 mil) Return on Equity (ROE): 1.20% ($0.0 mil) Quarterly return on equity: -15.20% (-$0.3 mil) Net income: $0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.15% ($22.8 mil) Quarterly Pretax return on assets: -1.90% (-$289.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$15,210Total assets
$1,816Cash and due from depository institutions
$1,460Interest-bearing balances
$5,239Securities
$0Federal funds sold & reverse repurchase agreements
$7,980Net loans & leases
$120Loan loss allowance
$0Trading account assets
$37Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$15,210Life insurance assets
$138All other assets
$13,326Total liabilities and capital
$13,292Total liabilities
$11,352Total deposits
$13,292Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$34Subordinated debt
$1,884All other liabilities
$1,884Total equity capital
$1,884Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$175Surplus
$1,684Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$182Income earned, not collected on loans
$0Earning assets
$109Long-term assets (5+ years)
$14,679Average Assets, year-to-date
$315Average Assets, quarterly
$15,668Volatile liabilities
$15,398Insider loans
$9,011FHLB advances
$15,489Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,884Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$728Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$670Total interest income
$118Total interest expense
$552Net interest income
$31Provision for loan and lease losses
$17Total noninterest income
$0Fiduciary activities
$13Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$515Total noninterest expense
$380Salaries and employee benefits
$30Premises and equipment expense
$105Additional noninterest expense
$23Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$23Income before extraordinary items
$0Extraordinary gains - net
$23Net income attributable to bank
$0Net charge-offs
$23Cash 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)
4.57%Yield on earning assets
0.81%Cost of funding earning assets
3.77%Net interest margin
0.12%Noninterest income to earning assets
3.52%Noninterest expense to earning assets
0.15%Net operating income to assets
0.15%Return on assets (ROA)
0.15%Pretax return on assets
1.20%Return on equity (ROE)
1.20%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
90,510Assets per employee
2.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
65.93%Noncurrent assets plus other real estate owned to assets
1.20%Noncurrent loans to loans
2.25%Net loans and leases to deposits
60.04%Net loans and leases to core deposits
60.04%Equity capital to assets
12.39%Core capital (leverage) ratio
12.16%Tier 1 risk-based capital ratio
20.91%Total risk-based capital ratio
Memoranda
$22Average assets
$15,668Average earning assets
$1,910Average equity
$14,650Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11600
The Farmers State Bank
624 Main Street, Dwight, KS 66849
January 01, 1921
Full Service Brick and Mortar
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