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

This bank is inactive as of April 12, 1993

The Raymond State Bank in Raymond, Kansas (KS)
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The Raymond State Bank - Overview

General
FDIC Certificate #: 18706
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First United National Bank and Trust Company (#4677)
Federal Reserve ID: 309356
Date Established: August 15, 1906
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 12575
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: Febuary 14, 1963
Last Structure Change Effective Date: April 12, 1993
Last Structure Change Process Date: April 21, 1993
Last Data Update: April 21, 1993
Data Source Date: April 05, 2012
Location
Address: Main Street, Raymond, KS 67573
County: Rice
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: $6.8 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$3Total assets
$7,123Cash and due from depository institutions
$682Interest-bearing balances
$0Securities
$3,012Federal funds sold & reverse repurchase agreements
$350Net loans & leases
$2,956Loan loss allowance
$60Trading account assets
$0Bank premises and fixed assets
$5Other real estate owned
$0Goodwill and other intangibles
$118Life insurance assets
$0All other assets
$0Total liabilities and capital
$7,123Total liabilities
$6,347Total deposits
$6,306Interest-bearing deposits
$5,612Deposits held in domestic offices
6306.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$41Total equity capital
$41Total bank equity capital
$776Perpetual preferred stock
$0Common stock
$25Surplus
$280Undivided profits
Memoranda
$471Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$173Income earned, not collected on loans
$63Earning assets
$6,318Long-term assets (5+ years)
$20Average Assets, year-to-date
$6,860Average Assets, quarterly
$6,958Volatile liabilities
$400Insider loans
$2FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$33Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$776Total risk weighted assets
$3,362Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$505Total interest expense
$232Net interest income
$273Provision for loan and lease losses
$36Total noninterest income
$47Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$47Total noninterest expense
$188Salaries and employee benefits
$124Premises and equipment expense
$4Additional noninterest expense
$60Pre-tax net operating income
$96Securities gains (losses)
$0Applicable income taxes
$22Income before extraordinary items
$74Extraordinary gains - net
$0Net income attributable to bank
$74Net charge-offs
$61Cash dividends
$8Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.91%Cost of funding earning assets
3.64%Net interest margin
4.28%Noninterest income to earning assets
0.74%Noninterest expense to earning assets
2.95%Net operating income to assets
1.08%Return on assets (ROA)
1.08%Pretax return on assets
1.40%Return on equity (ROE)
9.74%Retained earnings to average equity (YTD only)
8.68%Net charge-offs to loans
2.05%Credit loss provision to net charge-offs
59.02%Efficiency ratio
58,750Assets per employee
2.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.81%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
34.68%Noncurrent assets plus other real estate owned to assets
2.43%Noncurrent loans to loans
5.74%Net loans and leases to deposits
46.88%Net loans and leases to core deposits
50.05%Equity capital to assets
10.89%Core capital (leverage) ratio
11.24%Tier 1 risk-based capital ratio
23.08%Total risk-based capital ratio
Memoranda
$24Average assets
$6,860Average earning assets
$760Average equity
$6,380Average loans

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