Douglas County Bank in Lawrence, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Douglas County Bank - Overview

  • General
  • FDIC Certificate #: 17105
    Status: Active
    Federal Reserve ID: 16458
    Bank Holding Company (Regulatory Top Holder): Kansas Natural Gas, Inc. (RSSDID: 1051513, Location: Hays, KS)
    Date Established: May 01, 1952
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 11151
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 01, 1952
    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: 9th And Kentucky Streets, Lawrence, KS 66044
    County: Douglas
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Lawrence, KS (#4150)
    Core Based Statistical Area (CBSA): Lawrence, KS (#29940)
    CBSA Metro Statistical Area: Lawrence, KS (#29940)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $294.2 mil
    Equity capital: $34.6 mil
    Deposits held in domestic offices: $258.8 mil
    Return on assets (ROA): 0.63% ($1.9 mil)
    Quarterly return on assets: 0.43% ($1.3 mil)
    Return on Equity (ROE): 5.33% ($1.9 mil)
    Quarterly return on equity: 3.59% ($1.3 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.65% ($1,912.3 mil)
    Quarterly Pretax return on assets: 0.44% ($1,294.5 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
  • 82Total employees (full-time equivalent)
  • $294,206Total assets
  • $29,650Cash and due from depository institutions
  • $27,428Interest-bearing balances
  • $118,095Securities
  • $153Federal funds sold & reverse repurchase agreements
  • $132,136Net loans & leases
  • $2,494Loan loss allowance
  • $0Trading account assets
  • $11,236Bank premises and fixed assets
  • $106Other real estate owned
  • $0Goodwill and other intangibles
  • $294,206Life insurance assets
  • $2,830All other assets
  • $259,647Total liabilities and capital
  • $258,790Total liabilities
  • $240,918Total deposits
  • $258,790Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $62Trading liabilities
  • $0Other borrowed funds
  • $795Subordinated debt
  • $34,559All other liabilities
  • $34,559Total equity capital
  • $34,559Total bank equity capital
  • $0Perpetual preferred stock
  • $941Common stock
  • $2,059Surplus
  • $31,559Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $777Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $218Income earned, not collected on loans
  • $0Earning assets
  • $1,364Long-term assets (5+ years)
  • $277,812Average Assets, year-to-date
  • $65,827Average Assets, quarterly
  • $288,867Volatile liabilities
  • $292,677Insider loans
  • $165,788FHLB advances
  • $289,060Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,544Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,587Restructured Loans and leases
  • $1,960Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,984Total interest income
  • $1,147Total interest expense
  • $9,837Net interest income
  • $300Provision for loan and lease losses
  • $2,253Total noninterest income
  • $759Fiduciary activities
  • $705Service charges on deposit accounts
  • $0Trading account gains & fees
  • $789Additional noninterest income
  • $10,072Total noninterest expense
  • $5,304Salaries and employee benefits
  • $1,481Premises and equipment expense
  • $3,287Additional noninterest expense
  • $1,718Pre-tax net operating income
  • $169Securities gains (losses)
  • $80Applicable income taxes
  • $1,807Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,807Net income attributable to bank
  • $0Net charge-offs
  • $1,807Cash dividends
  • $261Sale, conversion, retirement of capital stock, net
  • $826Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.03%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.69%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 5.33%Return on equity (ROE)
  • 2.90%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 114.94%Credit loss provision to net charge-offs
  • 7.73%Efficiency ratio
  • 83,309Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.71%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 1144.04%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 51.06%Net loans and leases to core deposits
  • 55.42%Equity capital to assets
  • 11.75%Core capital (leverage) ratio
  • 11.26%Tier 1 risk-based capital ratio
  • 19.63%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $288,867Average earning assets
  • $33,875Average equity
  • $272,659Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $112,531Managed Assets
  • 1Number of Accounts
  • $111,667Personal trust and agency accounts
  • $38,724Employee benefit-defined contribution accounts
  • $1,155Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $14,518Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $36,956Other fiduciary accounts
  • $18,581Fiduciary accounts held in foreign offices
  • $1,733Non-managed Assets
  • 319Number of Accounts
  • $0Personal trust and agency accounts
  • $14,518Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $864Other retirement accounts
  • $0Corporate trust and agency accounts
  • $864Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011151Douglas County Bank9th And Kentucky Streets, Lawrence, KS 66044May 01, 1952Full Service Brick and Mortar
    1240548Malls Facility711 West 23rd Street, Lawrence, KS 66044November 09, 1973Full Service Brick and Mortar
    2240549Orchards Facility1444 Kasold Dr, Lawrence, KS 66049October 14, 1980Full Service Brick and Mortar
    3240550Brandon Woods Facility1501 Inverness Drive, Lawrence, KS 66046June 05, 1989Limited Service Facility
    4240551South Iowa Facility3101 Iowa, Lawrence, KS 66046June 02, 1997Full Service Brick and Mortar
    5240552Eudora Facility1402 Church St, Eudora, KS 66025January 11, 1999Full Service Retail Branch300 West 9th Street, Lawrence, KS 66044November 01, 1998Full Service Cyber
    7425244Sixth And Folks Road Branch4340 West Sixth Street, Lawrence, KS 66049December 22, 2003Full Service Brick and Mortar

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