FDIC Certificate #: 15009 Status: Active Federal Reserve ID: 63751 Date Established: January 01, 1934 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 #: 9409 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: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: Febuary 02, 1935 Last Structure Change Effective Date: Febuary 12, 2008 Last Structure Change Process Date: Febuary 21, 2008 Last Data Update: Febuary 21, 2008 Data Source Date: April 05, 2012
Location
Address: 400 Main Street, Towanda, KS 67144 County: Butler 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 Metropolitan Statistical Area (MSA): Wichita, KS (#9040) Combined Statistical Area (CSA): Wichita-Winfield, KS (#556) Core Based Statistical Area (CBSA): Wichita, KS (#48620) CBSA Metro Statistical Area: Wichita, KS (#48620)
History of Changes
Corrections
Change in Location
Name Change
Financial Summary
Total assets: $9.2 mil Equity capital: $0.8 mil Deposits held in domestic offices: $8.3 mil Return on assets (ROA): -0.43% (-$0.0 mil) Quarterly return on assets: -1.21% (-$0.1 mil) Return on Equity (ROE): -4.83% (-$0.0 mil) Quarterly return on equity: -14.15% (-$0.1 mil) Net income: -$0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.43% (-$39.5 mil) Quarterly Pretax return on assets: -1.21% (-$111.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$9,188Total assets
$506Cash and due from depository institutions
$9Interest-bearing balances
$1,219Securities
$480Federal funds sold & reverse repurchase agreements
$6,477Net loans & leases
$95Loan loss allowance
$0Trading account assets
$272Bank premises and fixed assets
$120Other real estate owned
$0Goodwill and other intangibles
$9,188Life insurance assets
$114All other assets
$8,410Total liabilities and capital
$8,295Total liabilities
$6,543Total deposits
$8,295Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$101Trading liabilities
$0Other borrowed funds
$14Subordinated debt
$778All other liabilities
$778Total equity capital
$778Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$175Surplus
$578Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$25Income earned, not collected on loans
$0Earning assets
$35Long-term assets (5+ years)
$8,185Average Assets, year-to-date
$4,078Average Assets, quarterly
$9,131Volatile liabilities
$9,239Insider loans
$5,055FHLB advances
$8,607Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$797Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$198Restructured Loans and leases
$19Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$468Total interest income
$82Total interest expense
$386Net interest income
$0Provision for loan and lease losses
$111Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$536Total noninterest expense
$270Salaries and employee benefits
$101Premises and equipment expense
$165Additional noninterest expense
-$39Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$39Income before extraordinary items
$0Extraordinary gains - net
-$39Net income attributable to bank
$0Net charge-offs
-$39Cash dividends
$4Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.76%Yield on earning assets
1.01%Cost of funding earning assets
4.75%Net interest margin
1.36%Noninterest income to earning assets
6.59%Noninterest expense to earning assets
-0.43%Net operating income to assets
-0.43%Return on assets (ROA)
-0.43%Pretax return on assets
-4.83%Return on equity (ROE)
-4.83%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-9.75%Efficiency ratio
107,847Assets per employee
1.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
380.00%Noncurrent assets plus other real estate owned to assets
1.58%Noncurrent loans to loans
0.38%Net loans and leases to deposits
78.08%Net loans and leases to core deposits
78.08%Equity capital to assets
8.47%Core capital (leverage) ratio
9.26%Tier 1 risk-based capital ratio
15.77%Total risk-based capital ratio
Memoranda
$17Average assets
$9,131Average earning assets
$808Average equity
$8,132Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9409
Towanda State Bank
400 Main Street, Towanda, KS 67144
January 01, 1934
Full Service Brick and Mortar
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