The First State Bank & Trust Co. of Larned in city_name, state_name

The First State Bank & Trust Co. of Larned in Larned, Kansas (KS)
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The First State Bank & Trust Co. of Larned routing number info

The First State Bank & Trust Co. of Larned - Overview

General
FDIC Certificate #: 15899
Status: Active
Federal Reserve ID: 9955
Bank Holding Company (Regulatory Top Holder): First State Financial Corporation (RSSDID: 1062425, Location: Larned, KS)
Date Established: January 01, 1896
WWW: http://www.bankkansas.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 14147
FDIC's unique #: 10131
Numeric code: 13
Regulator: FED
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: June 26, 1942
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: 116 West Sixth Street, Larned, KS 67550
County: Pawnee
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: $108.9 mil
Equity capital: $13.1 mil
Deposits held in domestic offices: $92.5 mil
Return on assets (ROA): 1.31% ($1.4 mil)
Quarterly return on assets: 1.68% ($1.8 mil)
Return on Equity (ROE): 11.07% ($1.4 mil)
Quarterly return on equity: 13.85% ($1.8 mil)
Net income: $1.4 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.36% ($1,481.0 mil)
Quarterly Pretax return on assets: 1.75% ($1,905.6 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
28Total employees (full-time equivalent)
$108,894Total assets
$14,871Cash and due from depository institutions
$12,217Interest-bearing balances
$30,119Securities
$0Federal funds sold & reverse repurchase agreements
$59,863Net loans & leases
$1,349Loan loss allowance
$0Trading account assets
$1,499Bank premises and fixed assets
$0Other real estate owned
$205Goodwill and other intangibles
$108,894Life insurance assets
$2,337All other assets
$95,756Total liabilities and capital
$92,458Total liabilities
$73,975Total deposits
$92,458Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,212Trading liabilities
$0Other borrowed funds
$86Subordinated debt
$13,138All other liabilities
$13,138Total equity capital
$13,138Total bank equity capital
$0Perpetual preferred stock
$110Common stock
$3,023Surplus
$10,005Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$231Income earned, not collected on loans
$0Earning assets
$1,011Long-term assets (5+ years)
$102,199Average Assets, year-to-date
$11,679Average Assets, quarterly
$106,874Volatile liabilities
$107,682Insider loans
$73,775FHLB advances
$107,239Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,508Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,244Restructured Loans and leases
$2,715Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,463Total interest income
$391Total interest expense
$4,072Net interest income
$277Provision for loan and lease losses
$807Total noninterest income
$117Fiduciary activities
$543Service charges on deposit accounts
$0Trading account gains & fees
$147Additional noninterest income
$3,151Total noninterest expense
$1,623Salaries and employee benefits
$426Premises and equipment expense
$1,102Additional noninterest expense
$1,451Pre-tax net operating income
$0Securities gains (losses)
$49Applicable income taxes
$1,402Income before extraordinary items
$0Extraordinary gains - net
$1,402Net income attributable to bank
$0Net charge-offs
$1,402Cash dividends
$64Sale, conversion, retirement of capital stock, net
$650Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
0.39%Cost of funding earning assets
4.10%Net interest margin
0.81%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
1.31%Net operating income to assets
1.31%Return on assets (ROA)
1.36%Pretax return on assets
11.07%Return on equity (ROE)
5.94%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
432.81%Credit loss provision to net charge-offs
27.00%Efficiency ratio
60,094Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.36%Loss allowance to loans
2.20%Loss allowance to noncurrent loans
583.98%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.38%Net loans and leases to deposits
64.75%Net loans and leases to core deposits
69.08%Equity capital to assets
12.06%Core capital (leverage) ratio
11.66%Tier 1 risk-based capital ratio
16.95%Total risk-based capital ratio
Memoranda
$18Average assets
$106,874Average earning assets
$12,663Average equity
$99,406Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$14,029Managed Assets
1Number of Accounts
$14,029Personal trust and agency accounts
$9,092Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$4,937Fiduciary accounts held in foreign offices
$0Non-managed Assets
27Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10131	The First State Bank & Trust Co. Of	116 West Sixth Street, Larned, KS 67550	January 01, 1896	Full Service Brick and Mortar
1	11062	Pratt Branch	906 East First, Pratt, KS 67124	January 01, 1934	Full Service Brick and Mortar
2	239889	Iuka Branch	200 North Main, Iuka, KS 67066	November 28, 1989	Limited Service Facility
3	465425	Overland Park Banking Center Branch	7206 College Blvd, Overland Park, KS 66210	April 23, 2007	Full Service Brick and Mortar

The First State Bank & Trust Co. of Larned in Larned, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First State Bank & Trust Co. of Larned - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First State Bank & Trust Co. of Larned in Larned, Kansas (KS)Overview, Financial Summary, Detailed Financial Reports, Branches

The First State Bank & Trust Co. of Larned - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First State Bank & Trust Co. of Larned in Larned, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches