American State Bank & Trust Company in Great Bend, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


American State Bank & Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total 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
  • 54Total employees (full-time equivalent)
  • $322,030Total assets
  • $12,420Cash and due from depository institutions
  • $432Interest-bearing balances
  • $159,062Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $133,302Net loans & leases
  • $2,238Loan loss allowance
  • $0Trading account assets
  • $4,465Bank premises and fixed assets
  • $0Other real estate owned
  • $5,992Goodwill and other intangibles
  • $322,030Life insurance assets
  • $6,789All other assets
  • $290,256Total liabilities and capital
  • $231,018Total liabilities
  • $223,921Total deposits
  • $231,018Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58,746Trading liabilities
  • $0Other borrowed funds
  • $492Subordinated debt
  • $31,774All other liabilities
  • $31,774Total equity capital
  • $31,774Total bank equity capital
  • $0Perpetual preferred stock
  • $2,200Common stock
  • $21,698Surplus
  • $7,876Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,360Income earned, not collected on loans
  • $0Earning assets
  • $1,984Long-term assets (5+ years)
  • $292,796Average Assets, year-to-date
  • $123,833Average Assets, quarterly
  • $304,269Volatile liabilities
  • $310,929Insider loans
  • $194,265FHLB advances
  • $298,385Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,481Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $68,887Restructured Loans and leases
  • $13,980Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,540Total interest income
  • $2,019Total interest expense
  • $8,521Net interest income
  • $50Provision for loan and lease losses
  • $905Total noninterest income
  • $0Fiduciary activities
  • $375Service charges on deposit accounts
  • $0Trading account gains & fees
  • $530Additional noninterest income
  • $6,336Total noninterest expense
  • $3,744Salaries and employee benefits
  • $808Premises and equipment expense
  • $1,784Additional noninterest expense
  • $3,040Pre-tax net operating income
  • $135Securities gains (losses)
  • $748Applicable income taxes
  • $2,427Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,427Net income attributable to bank
  • $0Net charge-offs
  • $2,427Cash dividends
  • $135Sale, conversion, retirement of capital stock, net
  • $5,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.75%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 3.04%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 6.96%Return on equity (ROE)
  • -8.81%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 37.04%Credit loss provision to net charge-offs
  • 22.89%Efficiency ratio
  • 66,073Assets per employee
  • 5.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 226.62%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 164.56%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 57.70%Net loans and leases to core deposits
  • 63.70%Equity capital to assets
  • 9.87%Core capital (leverage) ratio
  • 8.54%Tier 1 risk-based capital ratio
  • 13.12%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $304,269Average earning assets
  • $34,864Average equity
  • $280,694Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $782Managed Assets
  • 1Number of Accounts
  • $780Personal trust and agency accounts
  • $780Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2Fiduciary accounts held in foreign offices

List of branches

  • 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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