ESB Financial in Emporia, Kansas (KS)

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ESB Financial
GeneralFDIC Certificate #: 16629
Status: Active
Federal Reserve ID: 918954
Bank Holding Company (Regulatory Top Holder): Namyaw Corporation, Inc. (RSSDID: 1051670, Location: Emporia, KS)
Date Established: March 16, 1901
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 11230
FDIC's unique #: 10769
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: October 01, 1947
Last Structure Change Effective Date: September 05, 2006
Last Structure Change Process Date: September 08, 2006
Last Data Update: September 08, 2006
Data Source Date: April 05, 2012
LocationAddress: 8th And Merchant Streets, Emporia, KS 66801
County: Lyon
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 ChangesName Change
Financial SummaryTotal assets: $161.5 mil
Equity capital: $16.4 mil
Deposits held in domestic offices: $126.6 mil
Return on assets (ROA): 1.04% ($1.7 mil)
Quarterly return on assets: 1.21% ($2.0 mil)
Return on Equity (ROE): 10.79% ($1.7 mil)
Quarterly return on equity: 12.07% ($1.9 mil)
Net income: $1.7 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.08% ($1,744.7 mil)
Quarterly Pretax return on assets: 1.27% ($2,051.6 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)
Total employees (full-time equivalent)51
Total assets$161,544
Cash and due from depository institutions$8,835
Interest-bearing balances$6,644
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$90,203
Loan loss allowance $1,115
Trading account assets$0
Bank premises and fixed assets$3,680
Other real estate owned$378
Goodwill and other intangibles$0
All other assets$5,364
Life insurance assets$161,544
Total liabilities and capital$145,192
Total liabilities$126,583
Total deposits$104,324
Interest-bearing deposits$126,583
Deposits held in domestic offices$95
% insured (estimated)7461.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $1,148
All other liabilities $16,352
Total equity capital$16,352
Total bank equity capital$16,352
Perpetual preferred stock$0
Common stock$600
Undivided profits $14,052
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $250
Income earned, not collected on loans $321
Earning assets $0
Long-term assets (5+ years) $934
Average Assets, year-to-date $149,931
Average Assets, quarterly $53,320
Volatile liabilities $159,690
Insider loans $162,704
FHLB advances $112,930
Loans and leases held for sale $163,399
Unused loan commitments $2,560
Tier 1 (core) risk-based capital $1,343
Tier 2 risk-based capital $14,585
Total risk weighted assets $0
Total unused commitments $1,217
Restructured Loans and leases $30,019
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,390
Total interest expense $1,496
Net interest income $5,894
Provision for loan and lease losses $270
Total noninterest income $1,826
Fiduciary activities $406
Service charges on deposit accounts $537
Trading account gains & fees $0
Additional noninterest income $883
Total noninterest expense $5,723
Salaries and employee benefits $3,022
Premises and equipment expense $667
Additional noninterest expense $2,034
Pre-tax net operating income $1,727
Securities gains (losses) $0
Applicable income taxes $73
Income before extraordinary items $1,654
Extraordinary gains - net $0
Net income attributable to bank $1,654
Net charge-offs $0
Cash dividends $1,654
Sale, conversion, retirement of capital stock, net $121
Net operating income $648
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.01%
Cost of funding earning assets 1.01%
Net interest margin 4.00%
Noninterest income to earning assets 1.24%
Noninterest expense to earning assets 3.88%
Net operating income to assets 1.04%
Return on assets (ROA) 1.04%
Pretax return on assets 1.08%
Return on equity (ROE) 10.79%
Retained earnings to average equity (YTD only) 6.56%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 223.14%
Efficiency ratio16.50%
Assets per employee$74,132
Cash dividends to net income (YTD only)3.17%
Condition Ratios (%)
Loss allowance to loans 39.18%
Loss allowance to noncurrent loans 1.22%
Noncurrent assets plus other real estate owned to assets 347.35%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.35%
Net loans and leases to core deposits 71.26%
Equity capital to assets 73.41%
Core capital (leverage) ratio 10.12%
Tier 1 risk-based capital ratio 8.93%
Total risk-based capital ratio 12.92%
Average assets$14
Average earning assets$159,690
Average equity $15,329
Average loans $147,505
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Total Fiduciary and Related Assets (December 31, 2011)
(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$65,291
Number of Accounts1
Personal trust and agency accounts$58,352
Employee benefit-defined contribution accounts$40,279
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$3,646
Investment management agency accounts$0
Other fiduciary accounts$14,427
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts178
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,646
Employee benefit-defined benefit accounts$0
Other retirement accounts$6,939
Corporate trust and agency accounts$1,521
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$2,854
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4 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010769Esb Financial8th And Merchant Streets, Emporia, KS 66801March 16, 1901Full Service Brick and Mortar
1238511Industrial Plaza Branch12th And Industrial Roads, Emporia, KS 66801June 17, 1974Full Service Brick and Mortar
2238512Motor FacilityEighth And Constitution, Emporia, KS 66801Febuary 23, 1976Limited Service Facility
3465459Manhattan Branch224 East Poyntz, Manhattan, KS 66502July 19, 2006Full Service Brick and Mortar
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