Chetopa State Bank & Trust Co. in Chetopa, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Chetopa State Bank & Trust Co. in Chetopa, Kansas (KS)
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Chetopa State Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 13956
    Status: Active
    Federal Reserve ID: 925859
    Bank Holding Company (Regulatory Top Holder): Southeast Bancshares, Inc. (RSSDID: 2124795, Location: Chanute, KS)
    Date Established: January 01, 1901
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8730
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 409 Maple Street, Chetopa, KS 67336
    County: Labette
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Parsons, KS (#37660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $28.6 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $25.9 mil
    Return on assets (ROA): 1.28% ($0.4 mil)
    Quarterly return on assets: 1.25% ($0.4 mil)
    Return on Equity (ROE): 14.73% ($0.4 mil)
    Quarterly return on equity: 13.85% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.33% ($380.1 mil)
    Quarterly Pretax return on assets: 1.31% ($374.4 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
  • 7Total employees (full-time equivalent)
  • $28,582Total assets
  • $3,552Cash and due from depository institutions
  • $3,136Interest-bearing balances
  • $8,979Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $15,149Net loans & leases
  • $260Loan loss allowance
  • $0Trading account assets
  • $430Bank premises and fixed assets
  • $121Other real estate owned
  • $0Goodwill and other intangibles
  • $28,582Life insurance assets
  • $351All other assets
  • $25,938Total liabilities and capital
  • $25,868Total liabilities
  • $22,248Total deposits
  • $25,868Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $70Subordinated debt
  • $2,644All other liabilities
  • $2,644Total equity capital
  • $2,644Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $800Surplus
  • $1,744Undivided 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
  • $160Long-term assets (5+ years)
  • $27,264Average Assets, year-to-date
  • $1,020Average Assets, quarterly
  • $29,087Volatile liabilities
  • $28,700Insider loans
  • $15,940FHLB advances
  • $29,516Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,644Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,573Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,141Total interest income
  • $205Total interest expense
  • $936Net interest income
  • $0Provision for loan and lease losses
  • $181Total noninterest income
  • $0Fiduciary activities
  • $165Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $730Total noninterest expense
  • $319Salaries and employee benefits
  • $102Premises and equipment expense
  • $309Additional noninterest expense
  • $387Pre-tax net operating income
  • $0Securities gains (losses)
  • $16Applicable income taxes
  • $371Income before extraordinary items
  • $0Extraordinary gains - net
  • $371Net income attributable to bank
  • $0Net charge-offs
  • $371Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $157Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.10%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 14.73%Return on equity (ROE)
  • 8.50%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 96.75%Efficiency ratio
  • 65,354Assets per employee
  • 4.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.32%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 58.56%Net loans and leases to core deposits
  • 61.00%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 8.96%Tier 1 risk-based capital ratio
  • 16.59%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $29,087Average earning assets
  • $2,519Average equity
  • $27,836Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08730Chetopa State Bank & Trust Co.409 Maple Street, Chetopa, KS 67336January 01, 1901Full Service Brick and Mortar

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