First State Bank and Trust in Tonganoxie, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank and Trust - Overview

  • General
  • FDIC Certificate #: 14974
    Status: Active
    Federal Reserve ID: 605656
    Bank Holding Company (Regulatory Top Holder): Tonganoxie Bankshares, Inc. (RSSDID: 1059340, Location: Tonganoxie, KS)
    Date Established: December 22, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 13697
    FDIC's unique #: 9381
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 08, 1935
    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: 400 Bury Street, Tonganoxie, KS 66086
    County: Leavenworth
    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): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $232.8 mil
    Equity capital: $21.3 mil
    Deposits held in domestic offices: $199.7 mil
    Return on assets (ROA): 0.21% ($0.5 mil)
    Quarterly return on assets: -0.94% (-$2.2 mil)
    Return on Equity (ROE): 2.41% ($0.5 mil)
    Quarterly return on equity: -10.29% (-$2.2 mil)
    Net income: $0.5 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: 0.21% ($488.8 mil)
    Quarterly Pretax return on assets: -1.62% (-$3,770.9 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
  • 92Total employees (full-time equivalent)
  • $232,769Total assets
  • $15,370Cash and due from depository institutions
  • $10,704Interest-bearing balances
  • $25,285Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $150,029Net loans & leases
  • $4,076Loan loss allowance
  • $0Trading account assets
  • $9,269Bank premises and fixed assets
  • $19,628Other real estate owned
  • $10Goodwill and other intangibles
  • $232,769Life insurance assets
  • $13,178All other assets
  • $211,471Total liabilities and capital
  • $199,726Total liabilities
  • $165,564Total deposits
  • $199,726Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 10.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,275Trading liabilities
  • $4,000Other borrowed funds
  • $1,460Subordinated debt
  • $21,298All other liabilities
  • $21,298Total equity capital
  • $21,298Total bank equity capital
  • $0Perpetual preferred stock
  • $282Common stock
  • $8,912Surplus
  • $12,104Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,526Income earned, not collected on loans
  • $0Earning assets
  • $1,291Long-term assets (5+ years)
  • $186,018Average Assets, year-to-date
  • $39,427Average Assets, quarterly
  • $250,078Volatile liabilities
  • $234,989Insider loans
  • $173,784FHLB advances
  • $235,377Loans and leases held for sale
  • $4,665Unused loan commitments
  • $4,665Tier 1 (core) risk-based capital
  • $17,697Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,156Restructured Loans and leases
  • $79Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,616Total interest income
  • $2,652Total interest expense
  • $8,964Net interest income
  • $1,923Provision for loan and lease losses
  • $6,474Total noninterest income
  • $48Fiduciary activities
  • $1,173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,253Additional noninterest income
  • $13,097Total noninterest expense
  • $6,381Salaries and employee benefits
  • $1,587Premises and equipment expense
  • $5,129Additional noninterest expense
  • $418Pre-tax net operating income
  • $96Securities gains (losses)
  • -$3Applicable income taxes
  • $517Income before extraordinary items
  • $0Extraordinary gains - net
  • $517Net income attributable to bank
  • $0Net charge-offs
  • $517Cash dividends
  • $2,991Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.64%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 4.36%Net interest margin
  • 3.15%Noninterest income to earning assets
  • 6.36%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 2.41%Return on equity (ROE)
  • 2.41%Retained earnings to average equity (YTD only)
  • 1.68%Net charge-offs to loans
  • 64.29%Credit loss provision to net charge-offs
  • 0.78%Efficiency ratio
  • 84,726Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.64%Loss allowance to noncurrent loans
  • 62.46%Noncurrent assets plus other real estate owned to assets
  • 11.24%Noncurrent loans to loans
  • 4.23%Net loans and leases to deposits
  • 75.12%Net loans and leases to core deposits
  • 76.75%Equity capital to assets
  • 9.15%Core capital (leverage) ratio
  • 7.52%Tier 1 risk-based capital ratio
  • 10.18%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $250,078Average earning assets
  • $21,427Average equity
  • $205,821Average 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
  • $5,459Managed Assets
  • 1Number of Accounts
  • $5,459Personal trust and agency accounts
  • $4,969Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $490Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 19Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09381First State Bank And Trust400 Bury Street, Tonganoxie, KS 66086December 22, 1934Full Service Brick and Mortar
    2232642Basehor Branch15506 Pinehurst Drive, Basehor, KS 66007January 04, 1990Full Service Brick and Mortar
    4232643Lawrence Vermont Branch609 Vermont, Lawrence, KS 66044June 18, 1997Full Service Brick and Mortar
    5232644Tonganoxie Highway Branch1525 Highway 24-40, Tonganoxie, KS 66086November 16, 1998Full Service Brick and Mortar
    7360732Lawrence Monterey Branch3901 West Sixth Street, Lawrence, KS 66049July 16, 2001Full Service Brick and Mortar
    88556Perry Branch402 Plaza Drive, Perry, KS 66073January 12, 1893Full Service Brick and Mortar
    9468663Courier Branch Service400 Bury Street, Tonganoxie, KS 66086October 22, 2007
    10475486First Legend Bank And Trust10900 Parallel Parkway, Kansas City, KS 66109May 19, 2008Full Service Brick and Mortar

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