Kaw Valley State Bank and Trust Company in Wamego, Kansas (KS)



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Kaw Valley State Bank and Trust Company routing number info

Table of contents:
Kaw Valley State Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Corrections
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$135,237
Cash and due from depository institutions$6,959
Interest-bearing balances$5,869
Securities$47,966
Federal funds sold & reverse repurchase agreements$1,817
Net loans & leases$74,777
Loan loss allowance $1,205
Trading account assets$0
Bank premises and fixed assets$1,882
Other real estate owned$47
Goodwill and other intangibles$0
All other assets$1,789
Life insurance assets$135,237
Total liabilities and capital$119,662
Total liabilities$112,982
Total deposits$90,526
Interest-bearing deposits$112,982
Deposits held in domestic offices$98
% insured (estimated)1830.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,729
Other borrowed funds $0
Subordinated debt $121
All other liabilities $15,575
Total equity capital$15,575
Total bank equity capital$15,575
Perpetual preferred stock$0
Common stock$121
Surplus$1,280
Undivided profits $14,174
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $393
Income earned, not collected on loans $861
Earning assets $0
Long-term assets (5+ years) $827
Average Assets, year-to-date $130,429
Average Assets, quarterly $42,235
Volatile liabilities $132,041
Insider loans $134,471
FHLB advances $81,353
Loans and leases held for sale $136,195
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,835
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,553
Derivatives$1,163
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,875
Total interest expense $1,242
Net interest income $4,633
Provision for loan and lease losses $240
Total noninterest income $1,878
Fiduciary activities $0
Service charges on deposit accounts $750
Trading account gains & fees $0
Additional noninterest income $1,128
Total noninterest expense $3,808
Salaries and employee benefits $2,311
Premises and equipment expense $326
Additional noninterest expense $1,171
Pre-tax net operating income $2,463
Securities gains (losses) $33
Applicable income taxes $98
Income before extraordinary items $2,398
Extraordinary gains - net $0
Net income attributable to bank $2,398
Net charge-offs $0
Cash dividends $2,398
Sale, conversion, retirement of capital stock, net $179
Net operating income $1,735
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.64%
Cost of funding earning assets 0.98%
Net interest margin 3.66%
Noninterest income to earning assets 1.48%
Noninterest expense to earning assets 3.01%
Net operating income to assets 1.79%
Return on assets (ROA) 1.82%
Pretax return on assets 1.89%
Return on equity (ROE) 16.18%
Retained earnings to average equity (YTD only) 4.47%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 134.08%
Efficiency ratio15.10%
Assets per employee$58,486
Cash dividends to net income (YTD only)3.07%
Condition Ratios (%)
Loss allowance to loans 72.35%
Loss allowance to noncurrent loans 1.59%
Noncurrent assets plus other real estate owned to assets 139.95%
Noncurrent loans to loans 0.67%
Net loans and leases to deposits1.13%
Net loans and leases to core deposits 66.18%
Equity capital to assets 70.11%
Core capital (leverage) ratio 11.52%
Tier 1 risk-based capital ratio 10.89%
Total risk-based capital ratio 18.24%
Memoranda
Average assets$19
Average earning assets$132,041
Average equity $14,824
Average loans $126,604
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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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