First Neodesha Bank in Neodesha, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Neodesha Bank - Overview

  • General
  • FDIC Certificate #: 4736
    Status: Active
    Federal Reserve ID: 172158
    Bank Holding Company (Regulatory Top Holder): Southeast Bancshares, Inc. (RSSDID: 2124795, Location: Chanute, KS)
    Date Established: January 01, 1872
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12787
    FDIC's unique #: 3154
    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: January 01, 1934
    Last Structure Change Effective Date: July 30, 2011
    Last Structure Change Process Date: August 02, 2011
    Last Data Update: August 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 524 Main Street, Neodesha, KS 66757
    County: Wilson
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $77.1 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $69.8 mil
    Return on assets (ROA): 1.33% ($1.0 mil)
    Quarterly return on assets: 1.38% ($1.1 mil)
    Return on Equity (ROE): 16.65% ($1.2 mil)
    Quarterly return on equity: 16.42% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.38% ($1,063.9 mil)
    Quarterly Pretax return on assets: 1.44% ($1,110.1 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
  • 24Total employees (full-time equivalent)
  • $77,092Total assets
  • $4,545Cash and due from depository institutions
  • $2,283Interest-bearing balances
  • $11,106Securities
  • $2,200Federal funds sold & reverse repurchase agreements
  • $57,377Net loans & leases
  • $508Loan loss allowance
  • $0Trading account assets
  • $488Bank premises and fixed assets
  • $359Other real estate owned
  • $19Goodwill and other intangibles
  • $77,092Life insurance assets
  • $998All other assets
  • $70,480Total liabilities and capital
  • $69,806Total liabilities
  • $57,043Total deposits
  • $69,806Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $521Trading liabilities
  • $0Other borrowed funds
  • $153Subordinated debt
  • $6,612All other liabilities
  • $6,612Total equity capital
  • $6,612Total bank equity capital
  • $0Perpetual preferred stock
  • $730Common stock
  • $1,328Surplus
  • $4,554Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45Income earned, not collected on loans
  • $0Earning assets
  • $597Long-term assets (5+ years)
  • $72,966Average Assets, year-to-date
  • $4,929Average Assets, quarterly
  • $78,010Volatile liabilities
  • $77,045Insider loans
  • $50,541FHLB advances
  • $77,662Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,593Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,013Restructured Loans and leases
  • $1,440Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,687Total interest income
  • $789Total interest expense
  • $2,898Net interest income
  • $6Provision for loan and lease losses
  • $396Total noninterest income
  • $0Fiduciary activities
  • $367Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $2,212Total noninterest expense
  • $1,093Salaries and employee benefits
  • $270Premises and equipment expense
  • $849Additional noninterest expense
  • $1,076Pre-tax net operating income
  • $0Securities gains (losses)
  • $37Applicable income taxes
  • $1,039Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,039Net income attributable to bank
  • $0Net charge-offs
  • $1,039Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $412Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 16.65%Return on equity (ROE)
  • 10.05%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 180.33%Efficiency ratio
  • 67,152Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.65%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 1128.89%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 82.19%Net loans and leases to core deposits
  • 86.25%Equity capital to assets
  • 8.58%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 13.04%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $78,010Average earning assets
  • $6,240Average equity
  • $73,724Average loans

List of branches

  • 5 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03154First Neodesha Bank524 Main Street, Neodesha, KS 66757January 01, 1872Full Service Brick and Mortar
    110618Fall River BranchMain Street, Fall River, KS 67047July 08, 1946Full Service Brick and Mortar
    2238107Longton Branch4th And Kansas, Longton, KS 67352July 08, 1995Full Service Brick and Mortar
    38665Parsons Branch1230 Main Street, Parsons, KS 67357July 14, 1903Full Service Brick and Mortar
    4450601North 6th Street Branch3201 North 6th Street, Parsons, KS 67357March 22, 2006Full Service Brick and Mortar

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