First Federal Savings and Loan Association of Wakeeney in Wakeeney, Kansas (KS)



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First Federal Savings and Loan Association of Wakeeney
GeneralFDIC Certificate #: 29172
Status: Active
Federal Reserve ID: 721574
Date Established: October 01, 1934
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 3042
FDIC's unique #: 42006
Numeric code: 38
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: November 17, 1934
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 229 Main Street, Wakeeney, KS 67672
County: Trego
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hays
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $30.8 mil
Equity capital: $3.7 mil
Deposits held in domestic offices: $26.6 mil
Return on assets (ROA): 0.06% ($0.0 mil)
Quarterly return on assets: -0.03% (-$0.0 mil)
Return on Equity (ROE): 0.48% ($0.0 mil)
Quarterly return on equity: -0.21% (-$0.0 mil)
Net income: $0.0 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: -0.05% (-$15.4 mil)
Quarterly Pretax return on assets: -0.01% (-$3.1 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)7
Total assets$30,810
Cash and due from depository institutions$3,636
Interest-bearing balances$3,281
Securities$14,782
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$11,168
Loan loss allowance $95
Trading account assets$0
Bank premises and fixed assets$231
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$993
Life insurance assets$30,810
Total liabilities and capital$27,081
Total liabilities$26,586
Total deposits$25,061
Interest-bearing deposits$26,586
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$196
Other borrowed funds $0
Subordinated debt $299
All other liabilities $3,729
Total equity capital$3,729
Total bank equity capital$3,729
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $3,729
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $102
Average Assets, year-to-date $29,231
Average Assets, quarterly $0
Volatile liabilities $31,542
Insider loans $31,265
FHLB advances $11,323
Loans and leases held for sale $30,766
Unused loan commitments $524
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,655
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7
Derivatives$78
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,011
Total interest expense $229
Net interest income $782
Provision for loan and lease losses -$13
Total noninterest income $63
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $63
Total noninterest expense $875
Salaries and employee benefits $535
Premises and equipment expense $172
Additional noninterest expense $168
Pre-tax net operating income -$17
Securities gains (losses) $0
Applicable income taxes -$35
Income before extraordinary items $18
Extraordinary gains - net $0
Net income attributable to bank $18
Net charge-offs $0
Cash dividends $18
Sale, conversion, retirement of capital stock, net -$46
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.37%
Cost of funding earning assets 0.76%
Net interest margin 2.60%
Noninterest income to earning assets 0.21%
Noninterest expense to earning assets 2.91%
Net operating income to assets 0.06%
Return on assets (ROA) 0.06%
Pretax return on assets -0.05%
Return on equity (ROE) 0.48%
Retained earnings to average equity (YTD only) 0.48%
Net charge-offs to loans -0.39%
Credit loss provision to net charge-offs 28.26%
Efficiency ratio0.00%
Assets per employee$103,550
Cash dividends to net income (YTD only)4.40%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.84%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 42.01%
Equity capital to assets 42.01%
Core capital (leverage) ratio 12.10%
Tier 1 risk-based capital ratio 12.02%
Total risk-based capital ratio 32.28%
Memoranda
Average assets$33
Average earning assets$31,542
Average equity $3,719
Average loans $30,020
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
042006First Federal Savings And Loan Assoc229 Main Street, Wakeeney, KS 67672October 01, 1934Full Service Brick and Mortar
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