Mid-America Bank in Baldwin City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Mid-America Bank in Baldwin City, Kansas (KS)
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Mid-America Bank - Overview

  • General
  • FDIC Certificate #: 17374
    Status: Active
    Federal Reserve ID: 919456
    Bank Holding Company (Regulatory Top Holder): Mid-America Bankshares, Inc. (RSSDID: 2521059, Location: Baldwin City, KS)
    Date Established: December 11, 1900
    WWW: http://www.mid-americabank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11377
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 16, 1954
    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: 802 Ames Street, Baldwin City, KS 66006
    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: $59.9 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $50.5 mil
    Return on assets (ROA): 1.24% ($0.7 mil)
    Quarterly return on assets: 1.31% ($0.8 mil)
    Return on Equity (ROE): 13.05% ($0.8 mil)
    Quarterly return on equity: 13.68% ($0.8 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 2.02% ($1,209.4 mil)
    Quarterly Pretax return on assets: 2.08% ($1,245.3 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
  • 16Total employees (full-time equivalent)
  • $59,870Total assets
  • $9,862Cash and due from depository institutions
  • $7,950Interest-bearing balances
  • $0Securities
  • $2,241Federal funds sold & reverse repurchase agreements
  • $44,283Net loans & leases
  • $1,374Loan loss allowance
  • $0Trading account assets
  • $919Bank premises and fixed assets
  • $732Other real estate owned
  • $0Goodwill and other intangibles
  • $59,870Life insurance assets
  • $1,833All other assets
  • $54,134Total liabilities and capital
  • $50,479Total liabilities
  • $45,751Total deposits
  • $50,479Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,513Trading liabilities
  • $0Other borrowed funds
  • $142Subordinated debt
  • $5,736All other liabilities
  • $5,736Total equity capital
  • $5,736Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $2,685Surplus
  • $3,001Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7Income earned, not collected on loans
  • $0Earning assets
  • $216Long-term assets (5+ years)
  • $54,474Average Assets, year-to-date
  • $21,281Average Assets, quarterly
  • $57,816Volatile liabilities
  • $59,120Insider loans
  • $56,806FHLB advances
  • $59,125Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,736Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,501Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,404Total interest income
  • $794Total interest expense
  • $2,610Net interest income
  • $300Provision for loan and lease losses
  • $523Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $437Additional noninterest income
  • $1,665Total noninterest expense
  • $951Salaries and employee benefits
  • $164Premises and equipment expense
  • $550Additional noninterest expense
  • $1,168Pre-tax net operating income
  • $0Securities gains (losses)
  • $451Applicable income taxes
  • $717Income before extraordinary items
  • $0Extraordinary gains - net
  • $717Net income attributable to bank
  • $0Net charge-offs
  • $717Cash dividends
  • $137Sale, conversion, retirement of capital stock, net
  • $255Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.34%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 4.86%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 2.02%Pretax return on assets
  • 13.05%Return on equity (ROE)
  • 8.41%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 218.98%Credit loss provision to net charge-offs
  • 10.72%Efficiency ratio
  • 53,144Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.56%Loss allowance to loans
  • 3.01%Loss allowance to noncurrent loans
  • 19628.57%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 87.73%Net loans and leases to core deposits
  • 98.31%Equity capital to assets
  • 9.58%Core capital (leverage) ratio
  • 9.70%Tier 1 risk-based capital ratio
  • 10.10%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $57,816Average earning assets
  • $5,496Average equity
  • $53,679Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011377Mid-America Bank802 Ames Street, Baldwin City, KS 66006December 11, 1900Full Service Brick and Mortar
    2241552Baldwin City Branch707 High Street, Baldwin City, KS 66006July 01, 1998Limited Service Loan Production

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