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

This bank is inactive as of January 13, 1996

  • The Farmers State Bank in Lucas, Kansas (KS)
  • Show street view No street view available for this location

The Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 5833
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Pony Express Community Bank (#22185)
    Federal Reserve ID: 130354
    Date Established: January 01, 1909
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 3989
    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: January 01, 1934
    Last Structure Change Effective Date: January 13, 1996
    Last Structure Change Process Date: March 22, 1996
    Last Data Update: March 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Second And Main Streets, Lucas, KS 67648
    County: Russell
    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: $6.6 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $5Total assets
  • $6,629Cash and due from depository institutions
  • $190Interest-bearing balances
  • $0Securities
  • $3,457Federal funds sold & reverse repurchase agreements
  • $550Net loans & leases
  • $1,876Loan loss allowance
  • $125Trading account assets
  • $0Bank premises and fixed assets
  • $133Other real estate owned
  • $297Goodwill and other intangibles
  • $66Life insurance assets
  • $60All other assets
  • $0Total liabilities and capital
  • $6,629Total liabilities
  • $5,853Total deposits
  • $5,762Interest-bearing deposits
  • $5,021Deposits held in domestic offices
  • 5762.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $91Total equity capital
  • $91Total bank equity capital
  • $776Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $679Undivided profits
  • Memoranda
  • $-3Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $279Income earned, not collected on loans
  • $28Earning assets
  • $5,883Long-term assets (5+ years)
  • $418Average Assets, year-to-date
  • $6,693Average Assets, quarterly
  • $6,680Volatile liabilities
  • $450Insider loans
  • $102FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $84Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $697Total risk weighted assets
  • $2,524Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $161Total interest expense
  • $76Net interest income
  • $85Provision for loan and lease losses
  • $0Total noninterest income
  • $26Fiduciary activities
  • $0Service charges on deposit accounts
  • $8Trading account gains & fees
  • $0Additional noninterest income
  • $18Total noninterest expense
  • $133Salaries and employee benefits
  • $63Premises and equipment expense
  • $8Additional noninterest expense
  • $62Pre-tax net operating income
  • -$22Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • -$22Extraordinary gains - net
  • $0Net income attributable to bank
  • -$22Net charge-offs
  • $3Cash dividends
  • $400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 2.71%Cost of funding earning assets
  • 1.28%Net interest margin
  • 1.43%Noninterest income to earning assets
  • 0.44%Noninterest expense to earning assets
  • 2.24%Net operating income to assets
  • -0.33%Return on assets (ROA)
  • -0.33%Pretax return on assets
  • -0.33%Return on equity (ROE)
  • -2.34%Retained earnings to average equity (YTD only)
  • -44.89%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 119,820Assets per employee
  • 1.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -1818.18%Loss allowance to loans
  • 6.25%Loss allowance to noncurrent loans
  • 44.80%Noncurrent assets plus other real estate owned to assets
  • 8.69%Noncurrent loans to loans
  • 13.94%Net loans and leases to deposits
  • 32.56%Net loans and leases to core deposits
  • 35.32%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 10.65%Tier 1 risk-based capital ratio
  • 27.61%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $6,693Average earning assets
  • $940Average equity
  • $5,942Average loans

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