FDIC Certificate #: 10508 Status: Active Federal Reserve ID: 985554 Bank Holding Company (Regulatory Top Holder): Fredonia State Bankshares, Inc. (RSSDID: 2501202, Location: Fredonia, KS) Date Established: January 01, 1885 WWW:http://www.statebankks.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 #: 6727 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 01, 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: 501 Madison Street, Fredonia, KS 66736 County: Wilson 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
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $68.6 mil Equity capital: $9.8 mil Deposits held in domestic offices: $57.5 mil Return on assets (ROA): 1.92% ($1.3 mil) Quarterly return on assets: 2.11% ($1.5 mil) Return on Equity (ROE): 14.42% ($1.4 mil) Quarterly return on equity: 15.29% ($1.5 mil) Net income: $1.4 mil Quarterly Net income: $0.4 mil Pretax return on assets: 2.00% ($1,371.8 mil) Quarterly Pretax return on assets: 2.20% ($1,508.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$68,588Total assets
$11,505Cash and due from depository institutions
$10,219Interest-bearing balances
$6,596Securities
$214Federal funds sold & reverse repurchase agreements
$46,224Net loans & leases
$744Loan loss allowance
$0Trading account assets
$662Bank premises and fixed assets
$0Other real estate owned
$799Goodwill and other intangibles
$68,588Life insurance assets
$2,588All other assets
$58,838Total liabilities and capital
$57,504Total liabilities
$48,875Total deposits
$57,504Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$334Subordinated debt
$9,750All other liabilities
$9,750Total equity capital
$9,750Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$6,778Surplus
$2,772Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$66Income earned, not collected on loans
$0Earning assets
$287Long-term assets (5+ years)
$63,253Average Assets, year-to-date
$4,221Average Assets, quarterly
$71,922Volatile liabilities
$70,143Insider loans
$49,995FHLB advances
$70,392Loans and leases held for sale
$1,876Unused loan commitments
$1,876Tier 1 (core) risk-based capital
$8,874Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,791Restructured Loans and leases
$73Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,071Total interest income
$592Total interest expense
$2,479Net interest income
$0Provision for loan and lease losses
$210Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$112Additional noninterest income
$1,250Total noninterest expense
$733Salaries and employee benefits
$118Premises and equipment expense
$399Additional noninterest expense
$1,439Pre-tax net operating income
$0Securities gains (losses)
$55Applicable income taxes
$1,384Income before extraordinary items
$0Extraordinary gains - net
$1,384Net income attributable to bank
$0Net charge-offs
$1,384Cash dividends
$0Sale, conversion, retirement of capital stock, net
$1,151Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.59%Yield on earning assets
0.88%Cost of funding earning assets
3.70%Net interest margin
0.31%Noninterest income to earning assets
1.87%Noninterest expense to earning assets
1.92%Net operating income to assets
1.92%Return on assets (ROA)
2.00%Pretax return on assets
14.42%Return on equity (ROE)
2.43%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
46,486Assets per employee
6.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.16%Loss allowance to loans
1.58%Loss allowance to noncurrent loans
1127.27%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.14%Net loans and leases to deposits
80.38%Net loans and leases to core deposits
87.44%Equity capital to assets
14.22%Core capital (leverage) ratio
12.61%Tier 1 risk-based capital ratio
17.75%Total risk-based capital ratio
Memoranda
$19Average assets
$71,922Average earning assets
$9,600Average equity
$66,955Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6727
The State Bank Of Kansas
501 Madison Street, Fredonia, KS 66736
January 01, 1885
Full Service Brick and Mortar
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