Almena State Bank in Almena, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Almena State Bank - Overview

  • General
  • FDIC Certificate #: 15426
    Status: Active
    Federal Reserve ID: 224552
    Date Established: January 01, 1934
    WWW: http://www.almenastatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9742
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: October 03, 1936
    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: 500 Main Street Street, Almena, KS 67622
    County: Norton
    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
  • History of Changes
  • Corrections
    Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $23.8 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $21.9 mil
    Return on assets (ROA): 1.36% ($0.3 mil)
    Quarterly return on assets: 1.21% ($0.3 mil)
    Return on Equity (ROE): 17.45% ($0.3 mil)
    Quarterly return on equity: 15.47% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.48% ($352.0 mil)
    Quarterly Pretax return on assets: 1.24% ($294.9 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
  • 11Total employees (full-time equivalent)
  • $23,782Total assets
  • $1,288Cash and due from depository institutions
  • $0Interest-bearing balances
  • $1,989Securities
  • $280Federal funds sold & reverse repurchase agreements
  • $18,994Net loans & leases
  • $243Loan loss allowance
  • $0Trading account assets
  • $701Bank premises and fixed assets
  • $10Other real estate owned
  • $21Goodwill and other intangibles
  • $23,783Life insurance assets
  • $499All other assets
  • $21,947Total liabilities and capital
  • $21,923Total liabilities
  • $15,999Total deposits
  • $21,923Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $24Subordinated debt
  • $1,836All other liabilities
  • $1,836Total equity capital
  • $1,836Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $150Surplus
  • $1,586Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23Income earned, not collected on loans
  • $0Earning assets
  • $349Long-term assets (5+ years)
  • $21,263Average Assets, year-to-date
  • $6,389Average Assets, quarterly
  • $22,042Volatile liabilities
  • $23,149Insider loans
  • $19,521FHLB advances
  • $23,511Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,793Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,078Restructured Loans and leases
  • $665Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,315Total interest income
  • $127Total interest expense
  • $1,188Net interest income
  • $0Provision for loan and lease losses
  • $397Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • $329Additional noninterest income
  • $1,256Total noninterest expense
  • $687Salaries and employee benefits
  • $155Premises and equipment expense
  • $414Additional noninterest expense
  • $329Pre-tax net operating income
  • -$3Securities gains (losses)
  • $27Applicable income taxes
  • $299Income before extraordinary items
  • $0Extraordinary gains - net
  • $299Net income attributable to bank
  • $0Net charge-offs
  • $299Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $88Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.57%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 5.93%Net interest margin
  • 1.98%Noninterest income to earning assets
  • 6.27%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 17.45%Return on equity (ROE)
  • 12.32%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,243Assets per employee
  • 2.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.43%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 1056.52%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 86.64%Net loans and leases to core deposits
  • 86.64%Equity capital to assets
  • 7.72%Core capital (leverage) ratio
  • 7.63%Tier 1 risk-based capital ratio
  • 9.18%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $22,042Average earning assets
  • $1,713Average equity
  • $20,021Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09742Almena State Bank500 Main Street Street, Almena, KS 67622January 01, 1934Full Service Brick and Mortar
    1233945Norton Branch202 East Washington, Norton, KS 67654January 17, 1995Full Service Brick and Mortar

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