Investors Federal Savings in Kinsley, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 01, 1997

  • Investors Federal Savings in Kinsley, Kansas (KS)
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Investors Federal Savings - Overview

  • General
  • FDIC Certificate #: 28057
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commercial Federal Bank, a Federal Savings Bank (#30341)
    Federal Reserve ID: 648279
    Date Established: January 01, 1921
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 813
    FDIC's unique #: 40891
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: December 28, 1936
    Last Structure Change Effective Date: May 01, 1997
    Last Structure Change Process Date: June 16, 1997
    Last Data Update: June 16, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 112 East Sixth Street, Kinsley, KS 67547
    County: Edwards
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $32.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $10Total assets
  • $32,111Cash and due from depository institutions
  • $1,479Interest-bearing balances
  • $1,403Securities
  • $10,023Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $19,801Loan loss allowance
  • $134Trading account assets
  • $0Bank premises and fixed assets
  • $192Other real estate owned
  • $6Goodwill and other intangibles
  • $610Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $32,111Total liabilities
  • $27,411Total deposits
  • $27,086Interest-bearing deposits
  • $26,918Deposits held in domestic offices
  • 27086.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $138Subordinated debt
  • $0All other liabilities
  • $187Total equity capital
  • $187Total bank equity capital
  • $4,700Perpetual preferred stock
  • $0Common stock
  • $23Surplus
  • $2,011Undivided profits
  • Memoranda
  • $2,666Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $143Income earned, not collected on loans
  • $124Earning assets
  • $31,227Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $32,487Average Assets, quarterly
  • $32,222Volatile liabilities
  • $903Insider loans
  • $99FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $151Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,647Total risk weighted assets
  • $15,024Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,345Total interest expense
  • $1,338Net interest income
  • $1,007Provision for loan and lease losses
  • $4Total noninterest income
  • $82Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $82Total noninterest expense
  • $926Salaries and employee benefits
  • $359Premises and equipment expense
  • $105Additional noninterest expense
  • $462Pre-tax net operating income
  • $159Securities gains (losses)
  • $0Applicable income taxes
  • $59Income before extraordinary items
  • $100Extraordinary gains - net
  • $0Net income attributable to bank
  • $100Net charge-offs
  • $0Cash dividends
  • $129Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.42%Cost of funding earning assets
  • 4.23%Net interest margin
  • 3.18%Noninterest income to earning assets
  • 0.26%Noninterest expense to earning assets
  • 2.93%Net operating income to assets
  • 0.31%Return on assets (ROA)
  • 0.31%Pretax return on assets
  • 0.49%Return on equity (ROE)
  • 2.13%Retained earnings to average equity (YTD only)
  • -0.62%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 85,032Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 129.00%Loss allowance to loans
  • 0.67%Loss allowance to noncurrent loans
  • 93.71%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 73.10%Net loans and leases to core deposits
  • 75.23%Equity capital to assets
  • 14.64%Core capital (leverage) ratio
  • 14.48%Tier 1 risk-based capital ratio
  • 30.93%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $32,487Average earning assets
  • $4,690Average equity
  • $31,622Average loans

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