FDIC Certificate #: 13413 Status: Active Federal Reserve ID: 651354 Bank Holding Company (Regulatory Top Holder): Eudora Bancshares, Inc. (RSSDID: 1137565, Location: Eudora, KS) Date Established: January 01, 1899 WWW:http://www.kawvalleystatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8447 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 02, 1934 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: 737 Main Street, Eudora, KS 66025 County: Douglas 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): Lawrence, KS (#4150) Core Based Statistical Area (CBSA): Lawrence, KS (#29940) CBSA Metro Statistical Area: Lawrence, KS (#29940)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $37.5 mil Equity capital: $3.6 mil Deposits held in domestic offices: $33.8 mil Return on assets (ROA): 1.21% ($0.4 mil) Quarterly return on assets: 1.28% ($0.5 mil) Return on Equity (ROE): 13.34% ($0.5 mil) Quarterly return on equity: 13.50% ($0.5 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.21% ($453.4 mil) Quarterly Pretax return on assets: 1.28% ($479.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$37,471Total assets
$2,046Cash and due from depository institutions
$245Interest-bearing balances
$12,426Securities
$670Federal funds sold & reverse repurchase agreements
$20,634Net loans & leases
$276Loan loss allowance
$0Trading account assets
$626Bank premises and fixed assets
$388Other real estate owned
$0Goodwill and other intangibles
$37,471Life insurance assets
$681All other assets
$33,900Total liabilities and capital
$33,805Total liabilities
$27,834Total deposits
$33,805Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$95Subordinated debt
$3,571All other liabilities
$3,571Total equity capital
$3,571Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$1,110Surplus
$2,211Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$309Income earned, not collected on loans
$0Earning assets
$246Long-term assets (5+ years)
$33,975Average Assets, year-to-date
$14,231Average Assets, quarterly
$38,532Volatile liabilities
$38,017Insider loans
$25,798FHLB advances
$38,891Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,423Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,377Restructured Loans and leases
$81Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,785Total interest income
$180Total interest expense
$1,605Net interest income
$32Provision for loan and lease losses
$355Total noninterest income
$0Fiduciary activities
$257Service charges on deposit accounts
$0Trading account gains & fees
$98Additional noninterest income
$1,464Total noninterest expense
$836Salaries and employee benefits
$112Premises and equipment expense
$516Additional noninterest expense
$464Pre-tax net operating income
$1Securities gains (losses)
$0Applicable income taxes
$465Income before extraordinary items
$0Extraordinary gains - net
$465Net income attributable to bank
$0Net charge-offs
$465Cash dividends
$6Sale, conversion, retirement of capital stock, net
$319Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
0.51%Cost of funding earning assets
4.53%Net interest margin
1.00%Noninterest income to earning assets
4.13%Noninterest expense to earning assets
1.20%Net operating income to assets
1.21%Return on assets (ROA)
1.21%Pretax return on assets
13.34%Return on equity (ROE)
4.19%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
533.33%Credit loss provision to net charge-offs
82.67%Efficiency ratio
74,694Assets per employee
2.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.60%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
89.32%Noncurrent assets plus other real estate owned to assets
1.86%Noncurrent loans to loans
1.48%Net loans and leases to deposits
61.04%Net loans and leases to core deposits
62.85%Equity capital to assets
9.53%Core capital (leverage) ratio
8.80%Tier 1 risk-based capital ratio
13.27%Total risk-based capital ratio
Memoranda
$14Average assets
$38,532Average earning assets
$3,486Average equity
$35,443Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8447
Kaw Valley State Bank
737 Main Street, Eudora, KS 66025
January 01, 1899
Full Service Brick and Mortar
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