The Home State Bank in Kinsley, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 26, 1994

The Home State Bank in Kinsley, Kansas (KS)
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The Home State Bank - Overview

General
FDIC Certificate #: 15852
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First United National Bank and Trust Company (#4677)
Federal Reserve ID: 109752
Date Established: January 01, 1905
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 10092
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: October 07, 1941
Last Structure Change Effective Date: September 26, 1994
Last Structure Change Process Date: October 13, 1994
Last Data Update: October 13, 1994
Data Source Date: April 05, 2012
Location
Address: 101 East 10th Street, Kinsley, KS 67547
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: $17.2 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$13Total assets
$17,936Cash and due from depository institutions
$1,420Interest-bearing balances
$305Securities
$3,830Federal funds sold & reverse repurchase agreements
$1,100Net loans & leases
$10,905Loan loss allowance
$123Trading account assets
$0Bank premises and fixed assets
$369Other real estate owned
$0Goodwill and other intangibles
$312Life insurance assets
$0All other assets
$0Total liabilities and capital
$17,936Total liabilities
$16,485Total deposits
$16,242Interest-bearing deposits
$13,970Deposits held in domestic offices
16242.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$243Total equity capital
$243Total bank equity capital
$1,451Perpetual preferred stock
$0Common stock
$1,050Surplus
$525Undivided profits
Memoranda
$-124Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$99Income earned, not collected on loans
$233Earning assets
$16,140Long-term assets (5+ years)
$948Average Assets, year-to-date
$18,394Average Assets, quarterly
$17,807Volatile liabilities
$1,283Insider loans
$1,125FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,282Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,451Total risk weighted assets
$12,796Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$1,295Total interest expense
$556Net interest income
$739Provision for loan and lease losses
-$23Total noninterest income
$287Fiduciary activities
$0Service charges on deposit accounts
$86Trading account gains & fees
$0Additional noninterest income
$201Total noninterest expense
$829Salaries and employee benefits
$435Premises and equipment expense
$93Additional noninterest expense
$301Pre-tax net operating income
$220Securities gains (losses)
$0Applicable income taxes
$91Income before extraordinary items
$129Extraordinary gains - net
-$23Net income attributable to bank
$106Net charge-offs
$1Cash dividends
$520Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.74%Cost of funding earning assets
3.32%Net interest margin
4.42%Noninterest income to earning assets
1.71%Noninterest expense to earning assets
4.95%Net operating income to assets
0.70%Return on assets (ROA)
0.58%Pretax return on assets
1.07%Return on equity (ROE)
5.90%Retained earnings to average equity (YTD only)
-23.04%Net charge-offs to loans
0.01%Credit loss provision to net charge-offs
-2300.00%Efficiency ratio
77,973Assets per employee
1.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
490.57%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
124.24%Noncurrent assets plus other real estate owned to assets
0.55%Noncurrent loans to loans
0.90%Net loans and leases to deposits
67.14%Net loans and leases to core deposits
72.90%Equity capital to assets
8.09%Core capital (leverage) ratio
8.06%Tier 1 risk-based capital ratio
11.34%Total risk-based capital ratio
Memoranda
$12Average assets
$18,394Average earning assets
$1,797Average equity
$16,735Average loans

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