Industrial State Bank in Kansas City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Industrial State Bank - Overview

  • General
  • FDIC Certificate #: 18072
    Status: Active
    Federal Reserve ID: 261258
    Bank Holding Company (Regulatory Top Holder): Valley View Bancshares, Inc. (RSSDID: 1050712, Location: Overland Park, KS)
    Date Established: September 11, 1959
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 53342
    FDIC's unique #: 11996
    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: September 11, 1959
    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: 3201 Strong Avenue, Kansas City, KS 66106
    County: Wyandotte
    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: $148.4 mil
    Equity capital: $32.4 mil
    Deposits held in domestic offices: $110.6 mil
    Return on assets (ROA): 1.24% ($1.8 mil)
    Quarterly return on assets: 1.43% ($2.1 mil)
    Return on Equity (ROE): 5.88% ($1.9 mil)
    Quarterly return on equity: 6.64% ($2.1 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.74% ($2,581.4 mil)
    Quarterly Pretax return on assets: 1.97% ($2,922.6 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
  • 57Total employees (full-time equivalent)
  • $148,357Total assets
  • $3,791Cash and due from depository institutions
  • $167Interest-bearing balances
  • $29,834Securities
  • $15,800Federal funds sold & reverse repurchase agreements
  • $93,038Net loans & leases
  • $1,376Loan loss allowance
  • $0Trading account assets
  • $1,059Bank premises and fixed assets
  • $2,660Other real estate owned
  • $0Goodwill and other intangibles
  • $148,357Life insurance assets
  • $2,175All other assets
  • $115,976Total liabilities and capital
  • $110,571Total liabilities
  • $87,776Total deposits
  • $110,571Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $405Subordinated debt
  • $32,381All other liabilities
  • $32,381Total equity capital
  • $32,381Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $4,300Surplus
  • $26,881Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $584Long-term assets (5+ years)
  • $138,839Average Assets, year-to-date
  • $29,886Average Assets, quarterly
  • $149,432Volatile liabilities
  • $148,611Insider loans
  • $117,197FHLB advances
  • $149,725Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,381Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,162Restructured Loans and leases
  • $9,778Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,969Total interest income
  • $1,195Total interest expense
  • $5,774Net interest income
  • $40Provision for loan and lease losses
  • $749Total noninterest income
  • $0Fiduciary activities
  • $405Service charges on deposit accounts
  • $0Trading account gains & fees
  • $344Additional noninterest income
  • $3,777Total noninterest expense
  • $2,337Salaries and employee benefits
  • $350Premises and equipment expense
  • $1,090Additional noninterest expense
  • $2,706Pre-tax net operating income
  • -$110Securities gains (losses)
  • $750Applicable income taxes
  • $1,846Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,846Net income attributable to bank
  • $0Net charge-offs
  • $1,846Cash dividends
  • $147Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.12%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.74%Pretax return on assets
  • 5.88%Return on equity (ROE)
  • 5.88%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 27.21%Credit loss provision to net charge-offs
  • 18.68%Efficiency ratio
  • 57,903Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 1.79%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 84.14%Net loans and leases to core deposits
  • 86.07%Equity capital to assets
  • 21.83%Core capital (leverage) ratio
  • 21.63%Tier 1 risk-based capital ratio
  • 27.63%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $149,432Average earning assets
  • $31,402Average equity
  • $140,224Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011996Industrial State Bank3201 Strong Avenue, Kansas City, KS 66106September 11, 1959Full Service Brick and Mortar
    25157Leavenworth Road Branch6000 Leavenworth Road, Kansas City, KS 66104Febuary 01, 1918Full Service Brick and Mortar
    31249Central Avenue Branch966 Central Avenue, Kansas City, KS 66110January 01, 1909Full Service Brick and Mortar

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