Kahoka State Bank in Kahoka, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Kahoka State Bank - Overview

  • General
  • FDIC Certificate #: 19774
    Status: Active
    Federal Reserve ID: 979357
    Date Established: January 02, 1968
    WWW: http://www.kahokastate.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 13568
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 02, 1968
    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: 201 West Commercial Street, Kahoka, MO 63445
    County: Clark
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Fort Madison-Keokuk, IA-MO (#22800)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $48.1 mil
    Equity capital: $4.3 mil
    Deposits held in domestic offices: $43.7 mil
    Return on assets (ROA): 0.15% ($0.1 mil)
    Quarterly return on assets: 0.18% ($0.1 mil)
    Return on Equity (ROE): 1.80% ($0.1 mil)
    Quarterly return on equity: 2.03% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.17% ($81.8 mil)
    Quarterly Pretax return on assets: 0.18% ($86.6 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
  • 14Total employees (full-time equivalent)
  • $48,114Total assets
  • $4,269Cash and due from depository institutions
  • $2,000Interest-bearing balances
  • $16,886Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,009Net loans & leases
  • $529Loan loss allowance
  • $0Trading account assets
  • $304Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $48,114Life insurance assets
  • $646All other assets
  • $43,788Total liabilities and capital
  • $43,659Total liabilities
  • $39,852Total deposits
  • $43,659Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $129Subordinated debt
  • $4,326All other liabilities
  • $4,326Total equity capital
  • $4,326Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $60Surplus
  • $4,116Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $85Income earned, not collected on loans
  • $0Earning assets
  • $332Long-term assets (5+ years)
  • $44,895Average Assets, year-to-date
  • $1,057Average Assets, quarterly
  • $50,056Volatile liabilities
  • $48,159Insider loans
  • $26,116FHLB advances
  • $48,242Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,222Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,510Restructured Loans and leases
  • $200Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,147Total interest income
  • $854Total interest expense
  • $1,293Net interest income
  • $211Provision for loan and lease losses
  • $250Total noninterest income
  • $0Fiduciary activities
  • $202Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48Additional noninterest income
  • $1,249Total noninterest expense
  • $613Salaries and employee benefits
  • $155Premises and equipment expense
  • $481Additional noninterest expense
  • $83Pre-tax net operating income
  • $2Securities gains (losses)
  • $8Applicable income taxes
  • $77Income before extraordinary items
  • $0Extraordinary gains - net
  • $77Net income attributable to bank
  • $0Net charge-offs
  • $77Cash dividends
  • $65Sale, conversion, retirement of capital stock, net
  • $45Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 1.84%Cost of funding earning assets
  • 2.78%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.17%Pretax return on assets
  • 1.80%Return on equity (ROE)
  • 0.75%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 324.62%Credit loss provision to net charge-offs
  • 4.52%Efficiency ratio
  • 80,946Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.44%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 622.35%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 59.57%Net loans and leases to core deposits
  • 61.01%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 16.17%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $50,056Average earning assets
  • $4,286Average equity
  • $46,535Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013568Kahoka State Bank201 West Commercial Street, Kahoka, MO 63445January 02, 1968Full Service Brick and Mortar
    1249483Wayland FacilityHighway 136 And Main Street, Wayland, MO 63472Febuary 19, 1991Full Service Brick and Mortar

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