Lyons Federal Bank in Lyons, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Lyons Federal Bank in Lyons, Kansas (KS)
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Lyons Federal Bank - Overview

  • General
  • FDIC Certificate #: 27727
    Status: Active
    Federal Reserve ID: 901974
    Date Established: January 01, 1913
    WWW: http://www.lyonsfed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 179
    FDIC's unique #: 40561
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 06, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 East Ave South, Lyons, KS 67554
    County: Rice
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $77.2 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $62.8 mil
    Return on assets (ROA): 0.46% ($0.4 mil)
    Quarterly return on assets: 0.48% ($0.4 mil)
    Return on Equity (ROE): 4.43% ($0.4 mil)
    Quarterly return on equity: 4.63% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.70% ($540.2 mil)
    Quarterly Pretax return on assets: 0.90% ($694.6 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
  • 17Total employees (full-time equivalent)
  • $77,175Total assets
  • $20,769Cash and due from depository institutions
  • $19,161Interest-bearing balances
  • $215Securities
  • $120Federal funds sold & reverse repurchase agreements
  • $48,714Net loans & leases
  • $471Loan loss allowance
  • $0Trading account assets
  • $4,379Bank premises and fixed assets
  • $424Other real estate owned
  • $746Goodwill and other intangibles
  • $77,175Life insurance assets
  • $1,808All other assets
  • $69,100Total liabilities and capital
  • $62,820Total liabilities
  • $62,820Total deposits
  • $62,820Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,010Trading liabilities
  • $0Other borrowed funds
  • $270Subordinated debt
  • $8,075All other liabilities
  • $8,075Total equity capital
  • $8,075Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $8,075Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $182Income earned, not collected on loans
  • $0Earning assets
  • $481Long-term assets (5+ years)
  • $68,210Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $76,842Volatile liabilities
  • $76,784Insider loans
  • $52,413FHLB advances
  • $77,052Loans and leases held for sale
  • $44Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,952Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,190Restructured Loans and leases
  • $177Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,083Total interest income
  • $896Total interest expense
  • $2,187Net interest income
  • -$1Provision for loan and lease losses
  • $582Total noninterest income
  • $0Fiduciary activities
  • $66Service charges on deposit accounts
  • $0Trading account gains & fees
  • $516Additional noninterest income
  • $2,229Total noninterest expense
  • $1,108Salaries and employee benefits
  • $494Premises and equipment expense
  • $627Additional noninterest expense
  • $541Pre-tax net operating income
  • $0Securities gains (losses)
  • $191Applicable income taxes
  • $350Income before extraordinary items
  • $0Extraordinary gains - net
  • $350Net income attributable to bank
  • $0Net charge-offs
  • $350Cash dividends
  • -$13Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 4.43%Return on equity (ROE)
  • 4.43%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • 7.69%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,426Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 258.79%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 77.55%Net loans and leases to core deposits
  • 84.02%Equity capital to assets
  • 10.46%Core capital (leverage) ratio
  • 10.32%Tier 1 risk-based capital ratio
  • 15.17%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $76,842Average earning assets
  • $7,895Average equity
  • $67,786Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    040561Lyons Federal Bank200 East Ave South, Lyons, KS 67554January 01, 1913Full Service Brick and Mortar
    1263078125 North Douglas Branch125 North Douglas, Ellsworth, KS 67439January 01, 1913Full Service Brick and Mortar
    2491863Bushton Branch204 South Main, Bushton, KS 67427October 01, 2007Full Service Brick and Mortar

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