Inter-State Federal Savings and Loan Association of Kansas City in Kansas City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Inter-State Federal Savings and Loan Association of Kansas City in Kansas City, Kansas (KS)
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Inter-State Federal Savings and Loan Association of Kansas City - Overview

  • General
  • FDIC Certificate #: 29953
    Status: Active
    Federal Reserve ID: 906175
    Date Established: January 01, 1889
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 4414
    FDIC's unique #: 42787
    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: December 30, 1937
    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
  • Location
  • Address: 711 Minnesota Avenue, Kansas City, KS 66101
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $250.8 mil
    Equity capital: $51.5 mil
    Deposits held in domestic offices: $158.2 mil
    Return on assets (ROA): 0.06% ($0.2 mil)
    Quarterly return on assets: 0.06% ($0.2 mil)
    Return on Equity (ROE): 0.29% ($0.2 mil)
    Quarterly return on equity: 0.28% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.10% ($250.8 mil)
    Quarterly Pretax return on assets: 0.09% ($225.7 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
  • 28Total employees (full-time equivalent)
  • $250,756Total assets
  • $9,332Cash and due from depository institutions
  • $8,214Interest-bearing balances
  • $185,243Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $51,247Net loans & leases
  • $60Loan loss allowance
  • $0Trading account assets
  • $1,096Bank premises and fixed assets
  • $226Other real estate owned
  • $0Goodwill and other intangibles
  • $250,756Life insurance assets
  • $3,612All other assets
  • $199,228Total liabilities and capital
  • $158,159Total liabilities
  • $158,159Total deposits
  • $158,159Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $40,000Trading liabilities
  • $0Other borrowed funds
  • $1,069Subordinated debt
  • $51,528All other liabilities
  • $51,528Total equity capital
  • $51,528Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $51,528Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $576Income earned, not collected on loans
  • $46Earning assets
  • $470Long-term assets (5+ years)
  • $244,704Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $240,073Volatile liabilities
  • $247,209Insider loans
  • $29,518FHLB advances
  • $250,756Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $51,528Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $107Restructured Loans and leases
  • $420Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,615Total interest income
  • $1,567Total interest expense
  • $4,048Net interest income
  • $0Provision for loan and lease losses
  • -$25Total noninterest income
  • $0Fiduciary activities
  • $4Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$29Additional noninterest income
  • $3,790Total noninterest expense
  • $2,465Salaries and employee benefits
  • $677Premises and equipment expense
  • $648Additional noninterest expense
  • $233Pre-tax net operating income
  • $0Securities gains (losses)
  • $86Applicable income taxes
  • $147Income before extraordinary items
  • $0Extraordinary gains - net
  • $147Net income attributable to bank
  • $0Net charge-offs
  • $147Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.40%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 1.73%Net interest margin
  • -0.01%Noninterest income to earning assets
  • 1.62%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.10%Pretax return on assets
  • 0.29%Return on equity (ROE)
  • 0.29%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 93,612Assets per employee
  • 8.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.12%Loss allowance to noncurrent loans
  • 10.42%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 1.12%Net loans and leases to deposits
  • 32.40%Net loans and leases to core deposits
  • 33.02%Equity capital to assets
  • 20.55%Core capital (leverage) ratio
  • 20.55%Tier 1 risk-based capital ratio
  • 174.56%Total risk-based capital ratio
  • Memoranda
  • $175Average assets
  • $240,073Average earning assets
  • $51,458Average equity
  • $234,037Average loans

List of branches

  • 5 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042787Inter-State Federal Savings And Loan711 Minnesota Avenue, Kansas City, KS 66101January 01, 1889Full Service Brick and Mortar
    1277881132 Oak St Branch132 Oak Street, Bonner Springs, KS 66012January 01, 1889Full Service Brick and Mortar
    22778827638 State Ave Branch1919 N. 78 Street, Kansas City, KS 66112January 01, 1889Full Service Brick and Mortar
    32778838629 Metcalf Branch8629 Metcalf, Overland Park, KS 66212January 01, 1889Full Service Brick and Mortar
    42778848000 State Line Branch8000 State Line Rd, Prairie Village, KS 66208January 01, 1889Full Service Brick and Mortar

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