Cottonwood Valley Bank in Cedar Point, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cottonwood Valley Bank - Overview

  • General
  • FDIC Certificate #: 17160
    Status: Active
    Federal Reserve ID: 921655
    Bank Holding Company (Regulatory Top Holder): Cedar Point Bancshares, Inc. (RSSDID: 1060690, Location: Cedar Point, KS)
    Date Established: January 25, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 4, Interstate: No)
    FDIC's unique #: 11196
    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: December 08, 1952
    Last Structure Change Effective Date: March 24, 2012
    Last Structure Change Process Date: March 30, 2012
    Last Data Update: March 30, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 123 Main Street, Cedar Point, KS 66843
    County: Chase
    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
    Core Based Statistical Area (CBSA): Emporia, KS (#21380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $21.8 mil
    Equity capital: $2.4 mil
    Deposits held in domestic offices: $19.0 mil
    Return on assets (ROA): 0.19% ($0.0 mil)
    Quarterly return on assets: 0.33% ($0.1 mil)
    Return on Equity (ROE): 1.75% ($0.0 mil)
    Quarterly return on equity: 2.98% ($0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.19% ($41.3 mil)
    Quarterly Pretax return on assets: 0.33% ($71.8 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
  • 5Total employees (full-time equivalent)
  • $21,761Total assets
  • $4,653Cash and due from depository institutions
  • $3,376Interest-bearing balances
  • $3,166Securities
  • $4,813Federal funds sold & reverse repurchase agreements
  • $8,135Net loans & leases
  • $362Loan loss allowance
  • $0Trading account assets
  • $57Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $21,761Life insurance assets
  • $937All other assets
  • $19,337Total liabilities and capital
  • $18,958Total liabilities
  • $14,464Total deposits
  • $18,958Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $379Subordinated debt
  • $2,424All other liabilities
  • $2,424Total equity capital
  • $2,424Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,375Surplus
  • $949Undivided 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
  • $136Long-term assets (5+ years)
  • $19,490Average Assets, year-to-date
  • $1,191Average Assets, quarterly
  • $21,397Volatile liabilities
  • $21,528Insider loans
  • $12,442FHLB advances
  • $21,897Loans and leases held for sale
  • $656Unused loan commitments
  • $656Tier 1 (core) risk-based capital
  • $2,249Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $851Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $744Total interest income
  • $121Total interest expense
  • $623Net interest income
  • $0Provision for loan and lease losses
  • $102Total noninterest income
  • $0Fiduciary activities
  • $63Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $684Total noninterest expense
  • $365Salaries and employee benefits
  • $2Premises and equipment expense
  • $317Additional noninterest expense
  • $41Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $41Income before extraordinary items
  • $0Extraordinary gains - net
  • $41Net income attributable to bank
  • $0Net charge-offs
  • $41Cash dividends
  • -$8Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 3.30%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.19%Net operating income to assets
  • 0.19%Return on assets (ROA)
  • 0.19%Pretax return on assets
  • 1.75%Return on equity (ROE)
  • 1.75%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 94,345Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.26%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 42.91%Net loans and leases to core deposits
  • 44.69%Equity capital to assets
  • 11.14%Core capital (leverage) ratio
  • 10.27%Tier 1 risk-based capital ratio
  • 18.08%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $21,397Average earning assets
  • $2,346Average equity
  • $18,895Average loans

List of branches

  • 5 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011196Cottonwood Valley Bank123 Main Street, Cedar Point, KS 66843January 25, 1914Full Service Brick and Mortar
    132027Strong City Branch303 Cottonwood Street, Strong City, KS 66869November 29, 1984Full Service Brick and Mortar
    211572Florence Branch417 Main Street, Florence, KS 66851January 01, 1907Full Service Brick and Mortar
    4463185200 Broadway Branch200 Broadway, Cottonwood Falls, KS 66845May 21, 2007Full Service Brick and Mortar
    59414Lincolnville Branch220 W Main St, Lincolnville, KS 66858July 19, 1916Full Service Brick and Mortar

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