FDIC Certificate #: 15492 Status: Active Federal Reserve ID: 726355 Date Established: January 01, 1884 WWW:http://www.statebankcs.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) OTS Docket #: 15818 FDIC's unique #: 9794 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: May 20, 1937 Last Structure Change Effective Date: January 31, 2011 Last Structure Change Process Date: Febuary 01, 2011 Last Data Update: Febuary 01, 2011 Data Source Date: April 05, 2012
Location
Address: 218 W Spring Ave, Conway Springs, KS 67031 County: Sumner 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 Combined Statistical Area (CSA): Wichita-Winfield, KS (#556) Core Based Statistical Area (CBSA): Wichita, KS (#48620) CBSA Metro Statistical Area: Wichita, KS (#48620)
Financial Summary
Total assets: $26.3 mil Equity capital: $2.4 mil Deposits held in domestic offices: $22.6 mil Return on assets (ROA): 0.86% ($0.2 mil) Quarterly return on assets: 0.55% ($0.1 mil) Return on Equity (ROE): 9.12% ($0.2 mil) Quarterly return on equity: 6.20% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.86% ($226.1 mil) Quarterly Pretax return on assets: 0.55% ($144.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$26,288Total assets
$7,959Cash and due from depository institutions
$7,115Interest-bearing balances
$4,782Securities
$446Federal funds sold & reverse repurchase agreements
$12,107Net loans & leases
$205Loan loss allowance
$0Trading account assets
$311Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$26,288Life insurance assets
$683All other assets
$23,888Total liabilities and capital
$22,565Total liabilities
$17,983Total deposits
$22,565Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,260Trading liabilities
$0Other borrowed funds
$63Subordinated debt
$2,400All other liabilities
$2,400Total equity capital
$2,400Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$500Surplus
$1,850Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$249Income earned, not collected on loans
$0Earning assets
$182Long-term assets (5+ years)
$24,450Average Assets, year-to-date
$5,486Average Assets, quarterly
$24,691Volatile liabilities
$26,760Insider loans
$14,520FHLB advances
$26,710Loans and leases held for sale
$260Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,319Tier 2 risk-based capital
$260Total risk weighted assets
$0Total unused commitments
$809Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,015Total interest income
$272Total interest expense
$743Net interest income
$10Provision for loan and lease losses
$107Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$9Additional noninterest income
$628Total noninterest expense
$257Salaries and employee benefits
$72Premises and equipment expense
$299Additional noninterest expense
$212Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$212Income before extraordinary items
$0Extraordinary gains - net
$212Net income attributable to bank
$0Net charge-offs
$212Cash dividends
$25Sale, conversion, retirement of capital stock, net
$50Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.44%Yield on earning assets
1.19%Cost of funding earning assets
3.25%Net interest margin
0.47%Noninterest income to earning assets
2.74%Noninterest expense to earning assets
0.86%Net operating income to assets
0.86%Return on assets (ROA)
0.86%Pretax return on assets
9.12%Return on equity (ROE)
6.97%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
40.00%Credit loss provision to net charge-offs
8.88%Efficiency ratio
73,882Assets per employee
3.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.58%Loss allowance to loans
1.67%Loss allowance to noncurrent loans
82.33%Noncurrent assets plus other real estate owned to assets
0.95%Noncurrent loans to loans
2.02%Net loans and leases to deposits
53.65%Net loans and leases to core deposits
55.97%Equity capital to assets
9.13%Core capital (leverage) ratio
8.68%Tier 1 risk-based capital ratio
15.97%Total risk-based capital ratio
Memoranda
$17Average assets
$24,691Average earning assets
$2,324Average equity
$22,886Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9794
The State Bank Of Conway Springs
218 W Spring Ave, Conway Springs, KS 67031
January 01, 1884
Full Service Brick and Mortar
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