First State Bank and Trust in Tonganoxie, Kansas (KS)



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First State Bank and Trust
GeneralFDIC 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
WWW: http://www.firststateks.com
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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)92
Total assets$232,769
Cash and due from depository institutions$15,370
Interest-bearing balances$10,704
Securities$25,285
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$150,029
Loan loss allowance $4,076
Trading account assets$0
Bank premises and fixed assets$9,269
Other real estate owned$19,628
Goodwill and other intangibles$10
All other assets$13,178
Life insurance assets$232,769
Total liabilities and capital$211,471
Total liabilities$199,726
Total deposits$165,564
Interest-bearing deposits$199,726
Deposits held in domestic offices$92
% insured (estimated)10.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,275
Other borrowed funds $4,000
Subordinated debt $1,460
All other liabilities $21,298
Total equity capital$21,298
Total bank equity capital$21,298
Perpetual preferred stock$0
Common stock$282
Surplus$8,912
Undivided profits $12,104
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 $6,526
Earning assets $0
Long-term assets (5+ years) $1,291
Average Assets, year-to-date $186,018
Average Assets, quarterly $39,427
Volatile liabilities $250,078
Insider loans $234,989
FHLB advances $173,784
Loans and leases held for sale $235,377
Unused loan commitments $4,665
Tier 1 (core) risk-based capital $4,665
Tier 2 risk-based capital $17,697
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $24,156
Derivatives$79
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,616
Total interest expense $2,652
Net interest income $8,964
Provision for loan and lease losses $1,923
Total noninterest income $6,474
Fiduciary activities $48
Service charges on deposit accounts $1,173
Trading account gains & fees $0
Additional noninterest income $5,253
Total noninterest expense $13,097
Salaries and employee benefits $6,381
Premises and equipment expense $1,587
Additional noninterest expense $5,129
Pre-tax net operating income $418
Securities gains (losses) $96
Applicable income taxes -$3
Income before extraordinary items $517
Extraordinary gains - net $0
Net income attributable to bank $517
Net charge-offs $0
Cash dividends $517
Sale, conversion, retirement of capital stock, net $2,991
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 assets5.64%
Cost of funding earning assets 1.29%
Net interest margin 4.36%
Noninterest income to earning assets 3.15%
Noninterest expense to earning assets 6.36%
Net operating income to assets 0.17%
Return on assets (ROA) 0.21%
Pretax return on assets 0.21%
Return on equity (ROE) 2.41%
Retained earnings to average equity (YTD only) 2.41%
Net charge-offs to loans 1.68%
Credit loss provision to net charge-offs 64.29%
Efficiency ratio0.78%
Assets per employee$84,726
Cash dividends to net income (YTD only)2.53%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.64%
Noncurrent assets plus other real estate owned to assets 62.46%
Noncurrent loans to loans 11.24%
Net loans and leases to deposits4.23%
Net loans and leases to core deposits 75.12%
Equity capital to assets 76.75%
Core capital (leverage) ratio 9.15%
Tier 1 risk-based capital ratio 7.52%
Total risk-based capital ratio 10.18%
Memoranda
Average assets$13
Average earning assets$250,078
Average equity $21,427
Average loans $205,821
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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$5,459
Number of Accounts1
Personal trust and agency accounts$5,459
Employee benefit-defined contribution accounts$4,969
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$490
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts19
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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