Kaw Valley State Bank in Eudora, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Kaw Valley State Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    08447Kaw Valley State Bank737 Main Street, Eudora, KS 66025January 01, 1899Full Service Brick and Mortar

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