American State Bank & Trust Company in Great Bend, Kansas (KS)



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American State Bank & Trust Company routing number info

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American State Bank & Trust Company
GeneralFDIC Certificate #: 57144
Status: Active
Federal Reserve ID: 2957014
Bank Holding Company (Regulatory Top Holder): American State Bancshares, Inc. (RSSDID: 1066441, Location: Great Bend, KS)
Date Established: April 20, 2001
WWW: http://www.americanstatebankna.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 358521
Numeric code: 13
Regulator: FED
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: April 20, 2001
Last Structure Change Effective Date: July 01, 2008
Last Structure Change Process Date: July 03, 2008
Last Data Update: July 03, 2008
Data Source Date: April 05, 2012
LocationAddress: 1321 Main Street, Great Bend, KS 67530
County: Barton
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
Core Based Statistical Area (CBSA): Great Bend, KS (#24460)
CBSA Micro Statistical Area: Yes
History of ChangesCorrections
Name Change
Change in Primary Regulatory Agency
Financial SummaryTotal assets: $322.0 mil
Equity capital: $31.8 mil
Deposits held in domestic offices: $231.0 mil
Return on assets (ROA): 0.80% ($2.6 mil)
Quarterly return on assets: 0.89% ($2.9 mil)
Return on Equity (ROE): 6.96% ($2.2 mil)
Quarterly return on equity: 8.07% ($2.6 mil)
Net income: $2.4 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.04% ($3,349.1 mil)
Quarterly Pretax return on assets: 1.20% ($3,864.4 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)
Total employees (full-time equivalent)54
Total assets$322,030
Cash and due from depository institutions$12,420
Interest-bearing balances$432
Securities$159,062
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$133,302
Loan loss allowance $2,238
Trading account assets$0
Bank premises and fixed assets$4,465
Other real estate owned$0
Goodwill and other intangibles$5,992
All other assets$6,789
Life insurance assets$322,030
Total liabilities and capital$290,256
Total liabilities$231,018
Total deposits$223,921
Interest-bearing deposits$231,018
Deposits held in domestic offices$69
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$58,746
Other borrowed funds $0
Subordinated debt $492
All other liabilities $31,774
Total equity capital$31,774
Total bank equity capital$31,774
Perpetual preferred stock$0
Common stock$2,200
Surplus$21,698
Undivided profits $7,876
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,360
Earning assets $0
Long-term assets (5+ years) $1,984
Average Assets, year-to-date $292,796
Average Assets, quarterly $123,833
Volatile liabilities $304,269
Insider loans $310,929
FHLB advances $194,265
Loans and leases held for sale $298,385
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,481
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $68,887
Derivatives$13,980
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,540
Total interest expense $2,019
Net interest income $8,521
Provision for loan and lease losses $50
Total noninterest income $905
Fiduciary activities $0
Service charges on deposit accounts $375
Trading account gains & fees $0
Additional noninterest income $530
Total noninterest expense $6,336
Salaries and employee benefits $3,744
Premises and equipment expense $808
Additional noninterest expense $1,784
Pre-tax net operating income $3,040
Securities gains (losses) $135
Applicable income taxes $748
Income before extraordinary items $2,427
Extraordinary gains - net $0
Net income attributable to bank $2,427
Net charge-offs $0
Cash dividends $2,427
Sale, conversion, retirement of capital stock, net $135
Net operating income $5,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.75%
Cost of funding earning assets 0.72%
Net interest margin 3.04%
Noninterest income to earning assets 0.32%
Noninterest expense to earning assets 2.26%
Net operating income to assets 0.76%
Return on assets (ROA) 0.80%
Pretax return on assets 1.04%
Return on equity (ROE) 6.96%
Retained earnings to average equity (YTD only) -8.81%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 37.04%
Efficiency ratio22.89%
Assets per employee$66,073
Cash dividends to net income (YTD only)5.96%
Condition Ratios (%)
Loss allowance to loans 226.62%
Loss allowance to noncurrent loans 1.65%
Noncurrent assets plus other real estate owned to assets 164.56%
Noncurrent loans to loans 0.42%
Net loans and leases to deposits1.00%
Net loans and leases to core deposits 57.70%
Equity capital to assets 63.70%
Core capital (leverage) ratio 9.87%
Tier 1 risk-based capital ratio 8.54%
Total risk-based capital ratio 13.12%
Memoranda
Average assets$14
Average earning assets$304,269
Average equity $34,864
Average loans $280,694
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Total Fiduciary and Related Assets (December 31, 2005)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$782
Number of Accounts1
Personal trust and agency accounts$780
Employee benefit-defined contribution accounts$780
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts5
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$2
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$2
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6 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0358521American State Bank & Trust Company1321 Main Street, Great Bend, KS 67530April 20, 2001Full Service Brick and Mortar
1418572Larned Branch320 Broadway, Larned, KS 67550March 17, 2003Full Service Brick and Mortar
211976Macksville Branch234 North Main Street, Macksville, KS 67557November 07, 1906Full Service Brick and Mortar
3422562West Bank Branch725 Mckinley, Great Bend, KS 67530April 08, 2002Full Service Brick and Mortar
43179St. John Branch216 North Main Street, Saint John, KS 67576April 01, 1885Full Service Brick and Mortar
5203932Garden City Branch1901 East Mary Street, Garden City, KS 67846March 03, 1997Full Service Brick and Mortar
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