ESB Financial in Emporia, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


ESB Financial - Overview

  • General
  • FDIC 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
    WWW: http://www.esbtrust.com
    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
  • Location
  • Address: 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 Changes
  • Name Change
  • Financial Summary
  • Total 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
  • 51Total employees (full-time equivalent)
  • $161,544Total assets
  • $8,835Cash and due from depository institutions
  • $6,644Interest-bearing balances
  • $53,084Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $90,203Net loans & leases
  • $1,115Loan loss allowance
  • $0Trading account assets
  • $3,680Bank premises and fixed assets
  • $378Other real estate owned
  • $0Goodwill and other intangibles
  • $161,544Life insurance assets
  • $5,364All other assets
  • $145,192Total liabilities and capital
  • $126,583Total liabilities
  • $104,324Total deposits
  • $126,583Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 7461.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,148Subordinated debt
  • $16,352All other liabilities
  • $16,352Total equity capital
  • $16,352Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,700Surplus
  • $14,052Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $250Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $321Income earned, not collected on loans
  • $0Earning assets
  • $934Long-term assets (5+ years)
  • $149,931Average Assets, year-to-date
  • $53,320Average Assets, quarterly
  • $159,690Volatile liabilities
  • $162,704Insider loans
  • $112,930FHLB advances
  • $163,399Loans and leases held for sale
  • $2,560Unused loan commitments
  • $1,343Tier 1 (core) risk-based capital
  • $14,585Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,217Total unused commitments
  • $30,019Restructured Loans and leases
  • $2,656Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,390Total interest income
  • $1,496Total interest expense
  • $5,894Net interest income
  • $270Provision for loan and lease losses
  • $1,826Total noninterest income
  • $406Fiduciary activities
  • $537Service charges on deposit accounts
  • $0Trading account gains & fees
  • $883Additional noninterest income
  • $5,723Total noninterest expense
  • $3,022Salaries and employee benefits
  • $667Premises and equipment expense
  • $2,034Additional noninterest expense
  • $1,727Pre-tax net operating income
  • $0Securities gains (losses)
  • $73Applicable income taxes
  • $1,654Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,654Net income attributable to bank
  • $0Net charge-offs
  • $1,654Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $648Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.00%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 10.79%Return on equity (ROE)
  • 6.56%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 223.14%Credit loss provision to net charge-offs
  • 16.50%Efficiency ratio
  • 74,132Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.18%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 347.35%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 71.26%Net loans and leases to core deposits
  • 73.41%Equity capital to assets
  • 10.12%Core capital (leverage) ratio
  • 8.93%Tier 1 risk-based capital ratio
  • 12.92%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $159,690Average earning assets
  • $15,329Average equity
  • $147,505Average 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
  • $65,291Managed Assets
  • 1Number of Accounts
  • $58,352Personal trust and agency accounts
  • $40,279Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,646Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $14,427Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 178Number of Accounts
  • $0Personal trust and agency accounts
  • $3,646Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,939Other retirement accounts
  • $1,521Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,854Fiduciary accounts held in foreign offices

List of branches

  • 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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