FDIC Certificate #: 13697 Status: Active Federal Reserve ID: 396356 Date Established: October 05, 1905 WWW:http://www.olpestatebank.com 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 #: 8563 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 24, 1934 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: 202 Westphalia, Olpe, KS 66865 County: Lyon Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Emporia, KS (#21380) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $36.6 mil Equity capital: $5.3 mil Deposits held in domestic offices: $30.3 mil Return on assets (ROA): 0.94% ($0.3 mil) Quarterly return on assets: 1.02% ($0.4 mil) Return on Equity (ROE): 6.65% ($0.3 mil) Quarterly return on equity: 7.04% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.99% ($362.3 mil) Quarterly Pretax return on assets: 1.06% ($388.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$36,601Total assets
$2,586Cash and due from depository institutions
$2,040Interest-bearing balances
$13,253Securities
$30Federal funds sold & reverse repurchase agreements
$19,837Net loans & leases
$216Loan loss allowance
$0Trading account assets
$56Bank premises and fixed assets
$206Other real estate owned
$30Goodwill and other intangibles
$36,601Life insurance assets
$603All other assets
$31,321Total liabilities and capital
$30,347Total liabilities
$26,568Total deposits
$30,347Interest-bearing deposits
$93Deposits held in domestic offices
837.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$40Other borrowed funds
$97Subordinated debt
$5,280All other liabilities
$5,280Total equity capital
$5,280Total bank equity capital
$0Perpetual preferred stock
$121Common stock
$354Surplus
$4,805Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6Income earned, not collected on loans
$0Earning assets
$141Long-term assets (5+ years)
$35,160Average Assets, year-to-date
$8,248Average Assets, quarterly
$36,630Volatile liabilities
$36,900Insider loans
$21,896FHLB advances
$37,127Loans and leases held for sale
$252Unused loan commitments
$252Tier 1 (core) risk-based capital
$4,973Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,183Restructured Loans and leases
$281Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,502Total interest income
$344Total interest expense
$1,158Net interest income
$41Provision for loan and lease losses
$143Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$73Additional noninterest income
$893Total noninterest expense
$561Salaries and employee benefits
$75Premises and equipment expense
$257Additional noninterest expense
$367Pre-tax net operating income
-$5Securities gains (losses)
$17Applicable income taxes
$345Income before extraordinary items
$0Extraordinary gains - net
$345Net income attributable to bank
$0Net charge-offs
$345Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$212Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.24%Yield on earning assets
0.97%Cost of funding earning assets
3.27%Net interest margin
0.40%Noninterest income to earning assets
2.52%Noninterest expense to earning assets
0.95%Net operating income to assets
0.94%Return on assets (ROA)
0.99%Pretax return on assets
6.65%Return on equity (ROE)
2.56%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-1366.67%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,640Assets per employee
3.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.45%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
3600.00%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.03%Net loans and leases to deposits
65.37%Net loans and leases to core deposits
70.94%Equity capital to assets
14.43%Core capital (leverage) ratio
13.39%Tier 1 risk-based capital ratio
22.71%Total risk-based capital ratio
Memoranda
$24Average assets
$36,630Average earning assets
$5,192Average equity
$35,403Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8563
The Olpe State Bank
202 Westphalia, Olpe, KS 66865
October 05, 1905
Full Service Brick and Mortar
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