FDIC Certificate #: 16205 Status: Active Federal Reserve ID: 335757 Date Established: August 01, 1887 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 #: 10406 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: August 03, 1944 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: 518 Liberty Street, Oskaloosa, KS 66066 County: Jefferson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Topeka, KS (#45820) CBSA Metro Statistical Area: Topeka, KS (#45820)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $28.7 mil Equity capital: $2.4 mil Deposits held in domestic offices: $26.2 mil Return on assets (ROA): 0.07% ($0.0 mil) Quarterly return on assets: 0.18% ($0.1 mil) Return on Equity (ROE): 0.83% ($0.0 mil) Quarterly return on equity: 2.17% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.07% ($20.1 mil) Quarterly Pretax return on assets: 0.18% ($51.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$28,657Total assets
$17,824Cash and due from depository institutions
$17,457Interest-bearing balances
$2,500Securities
$0Federal funds sold & reverse repurchase agreements
$7,748Net loans & leases
$90Loan loss allowance
$0Trading account assets
$367Bank premises and fixed assets
$102Other real estate owned
$0Goodwill and other intangibles
$28,657Life insurance assets
$116All other assets
$26,259Total liabilities and capital
$26,236Total liabilities
$19,522Total deposits
$26,236Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$23Subordinated debt
$2,398All other liabilities
$2,398Total equity capital
$2,398Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$600Surplus
$1,198Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$53Long-term assets (5+ years)
$27,705Average Assets, year-to-date
$4,181Average Assets, quarterly
$30,045Volatile liabilities
$28,807Insider loans
$9,339FHLB advances
$29,862Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,398Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$61Restructured Loans and leases
$425Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$722Total interest income
$123Total interest expense
$599Net interest income
$0Provision for loan and lease losses
$240Total noninterest income
$0Fiduciary activities
$203Service charges on deposit accounts
$0Trading account gains & fees
$37Additional noninterest income
$819Total noninterest expense
$494Salaries and employee benefits
$89Premises and equipment expense
$236Additional noninterest expense
$20Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$20Income before extraordinary items
$0Extraordinary gains - net
$20Net income attributable to bank
$0Net charge-offs
$20Cash dividends
-$6Sale, conversion, retirement of capital stock, net
$48Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.48%Yield on earning assets
0.42%Cost of funding earning assets
2.06%Net interest margin
0.82%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
0.07%Net operating income to assets
0.07%Return on assets (ROA)
0.07%Pretax return on assets
0.83%Return on equity (ROE)
-1.16%Retained earnings to average equity (YTD only)
-0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
97,616Assets per employee
2.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
240.00%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
0.00%Net loans and leases to deposits
29.53%Net loans and leases to core deposits
29.92%Equity capital to assets
8.37%Core capital (leverage) ratio
8.03%Tier 1 risk-based capital ratio
25.68%Total risk-based capital ratio
Memoranda
$27Average assets
$30,045Average earning assets
$2,414Average equity
$29,114Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10406
The State Bank Of Oskaloosa
518 Liberty Street, Oskaloosa, KS 66066
August 01, 1887
Full Service Brick and Mortar
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