The Saline Valley Bank in Lincoln, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1995

The Saline Valley Bank in Lincoln, Kansas (KS)
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The Saline Valley Bank - Overview

General
FDIC Certificate #: 17031
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Bank of Tescott (#1868)
Federal Reserve ID: 117850
Date Established: September 01, 1881
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11095
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: July 23, 1951
Last Structure Change Effective Date: August 01, 1995
Last Structure Change Process Date: September 19, 1995
Last Data Update: September 19, 1995
Data Source Date: April 05, 2012
Location
Address: 101 East Lincoln Avenue, Lincoln, KS 67455
County: Lincoln
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: $30.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$30,804Cash and due from depository institutions
$734Interest-bearing balances
$0Securities
$18,636Federal funds sold & reverse repurchase agreements
$700Net loans & leases
$9,915Loan loss allowance
$345Trading account assets
$0Bank premises and fixed assets
$25Other real estate owned
$0Goodwill and other intangibles
$691Life insurance assets
$103All other assets
$0Total liabilities and capital
$30,804Total liabilities
$28,040Total deposits
$27,650Interest-bearing deposits
$25,694Deposits held in domestic offices
27650.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$300Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$90Total equity capital
$90Total bank equity capital
$2,764Perpetual preferred stock
$0Common stock
$200Surplus
$250Undivided profits
Memoranda
$2,314Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$17Income earned, not collected on loans
$206Earning assets
$29,251Long-term assets (5+ years)
$3,035Average Assets, year-to-date
$32,599Average Assets, quarterly
$31,077Volatile liabilities
$700Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,721Total risk weighted assets
$12,136Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,112Total interest expense
$967Net interest income
$1,145Provision for loan and lease losses
$60Total noninterest income
$59Fiduciary activities
$0Service charges on deposit accounts
$15Trading account gains & fees
$0Additional noninterest income
$44Total noninterest expense
$769Salaries and employee benefits
$477Premises and equipment expense
$49Additional noninterest expense
$243Pre-tax net operating income
$375Securities gains (losses)
-$23Applicable income taxes
$121Income before extraordinary items
$231Extraordinary gains - net
$0Net income attributable to bank
$231Net charge-offs
-$25Cash dividends
$160Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.80%Cost of funding earning assets
3.11%Net interest margin
3.68%Noninterest income to earning assets
0.19%Noninterest expense to earning assets
2.47%Net operating income to assets
0.76%Return on assets (ROA)
0.71%Pretax return on assets
1.08%Return on equity (ROE)
8.11%Retained earnings to average equity (YTD only)
2.49%Net charge-offs to loans
-0.26%Credit loss provision to net charge-offs
-240.00%Efficiency ratio
62,957Assets per employee
2.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
69.26%Loss allowance to loans
3.36%Loss allowance to noncurrent loans
2029.41%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.17%Net loans and leases to deposits
35.86%Net loans and leases to core deposits
36.39%Equity capital to assets
8.97%Core capital (leverage) ratio
8.72%Tier 1 risk-based capital ratio
22.42%Total risk-based capital ratio
Memoranda
$24Average assets
$32,599Average earning assets
$2,850Average equity
$31,072Average loans

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