Kaw Valley State Bank and Trust Company in Wamego, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Kaw Valley State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 17832
    Status: Active
    Federal Reserve ID: 368951
    Bank Holding Company (Regulatory Top Holder): Kaw Valley Bancshares, Inc. (RSSDID: 1357103, Location: Wamego, KS)
    Date Established: March 03, 1913
    WWW: http://www.kvsb.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10880
    FDIC's unique #: 11777
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 23, 1958
    Last Structure Change Effective Date: September 06, 2008
    Last Structure Change Process Date: September 25, 2008
    Last Data Update: September 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1015 Kaw Valley Park Circle, Wamego, KS 66547
    County: Pottawatomie
    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
    Core Based Statistical Area (CBSA): Manhattan, KS (#31740)
    CBSA Metro Statistical Area: Manhattan, KS (#31740)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $135.2 mil
    Equity capital: $15.6 mil
    Deposits held in domestic offices: $113.0 mil
    Return on assets (ROA): 1.82% ($2.5 mil)
    Quarterly return on assets: 1.64% ($2.2 mil)
    Return on Equity (ROE): 16.18% ($2.6 mil)
    Quarterly return on equity: 14.33% ($2.3 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.89% ($2,556.0 mil)
    Quarterly Pretax return on assets: 1.71% ($2,312.6 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
  • 44Total employees (full-time equivalent)
  • $135,237Total assets
  • $6,959Cash and due from depository institutions
  • $5,869Interest-bearing balances
  • $47,966Securities
  • $1,817Federal funds sold & reverse repurchase agreements
  • $74,777Net loans & leases
  • $1,205Loan loss allowance
  • $0Trading account assets
  • $1,882Bank premises and fixed assets
  • $47Other real estate owned
  • $0Goodwill and other intangibles
  • $135,237Life insurance assets
  • $1,789All other assets
  • $119,662Total liabilities and capital
  • $112,982Total liabilities
  • $90,526Total deposits
  • $112,982Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 1830.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,729Trading liabilities
  • $0Other borrowed funds
  • $121Subordinated debt
  • $15,575All other liabilities
  • $15,575Total equity capital
  • $15,575Total bank equity capital
  • $0Perpetual preferred stock
  • $121Common stock
  • $1,280Surplus
  • $14,174Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $393Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $861Income earned, not collected on loans
  • $0Earning assets
  • $827Long-term assets (5+ years)
  • $130,429Average Assets, year-to-date
  • $42,235Average Assets, quarterly
  • $132,041Volatile liabilities
  • $134,471Insider loans
  • $81,353FHLB advances
  • $136,195Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,553Restructured Loans and leases
  • $1,163Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,875Total interest income
  • $1,242Total interest expense
  • $4,633Net interest income
  • $240Provision for loan and lease losses
  • $1,878Total noninterest income
  • $0Fiduciary activities
  • $750Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,128Additional noninterest income
  • $3,808Total noninterest expense
  • $2,311Salaries and employee benefits
  • $326Premises and equipment expense
  • $1,171Additional noninterest expense
  • $2,463Pre-tax net operating income
  • $33Securities gains (losses)
  • $98Applicable income taxes
  • $2,398Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,398Net income attributable to bank
  • $0Net charge-offs
  • $2,398Cash dividends
  • $179Sale, conversion, retirement of capital stock, net
  • $1,735Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.66%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.79%Net operating income to assets
  • 1.82%Return on assets (ROA)
  • 1.89%Pretax return on assets
  • 16.18%Return on equity (ROE)
  • 4.47%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 134.08%Credit loss provision to net charge-offs
  • 15.10%Efficiency ratio
  • 58,486Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.35%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 139.95%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 1.13%Net loans and leases to deposits
  • 66.18%Net loans and leases to core deposits
  • 70.11%Equity capital to assets
  • 11.52%Core capital (leverage) ratio
  • 10.89%Tier 1 risk-based capital ratio
  • 18.24%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $132,041Average earning assets
  • $14,824Average equity
  • $126,604Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011777Kaw Valley State Bank And Trust Comp1015 Kaw Valley Park Circle, Wamego, KS 66547March 03, 1913Full Service Brick and Mortar
    13078Clifton Branch103 E Parallel Street, Clifton, KS 66937January 01, 1878Full Service Brick and Mortar
    2203945St. Marys Branch414 West Bertrand Avenue, Saint Marys, KS 66536July 12, 1990Full Service Brick and Mortar

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