Mutual Savings Association, FSA in Leavenworth, Kansas (KS)

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Mutual Savings Association, FSA
GeneralFDIC Certificate #: 29988
Status: Active
Federal Reserve ID: 636276
Date Established: January 01, 1888
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 4492
FDIC's unique #: 42822
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: Mortgage Lending Specialization
Date of Deposit Insurance: October 24, 1949
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
LocationAddress: 100 South 4th St, Leavenworth, KS 66048
County: Leavenworth
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): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $217.9 mil
Equity capital: $50.8 mil
Deposits held in domestic offices: $159.3 mil
Return on assets (ROA): -0.81% (-$1.8 mil)
Quarterly return on assets: -3.65% (-$8.0 mil)
Return on Equity (ROE): -3.53% (-$1.8 mil)
Quarterly return on equity: -15.49% (-$7.9 mil)
Net income: -$1.9 mil
Quarterly Net income: -$2.0 mil
Pretax return on assets: -1.43% (-$3,115.3 mil)
Quarterly Pretax return on assets: -5.82% (-$12,679.0 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)50
Total assets$217,853
Cash and due from depository institutions$10,234
Interest-bearing balances$9,339
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$122,419
Loan loss allowance $1,607
Trading account assets$0
Bank premises and fixed assets$2,061
Other real estate owned$2,436
Goodwill and other intangibles$0
All other assets$18,838
Life insurance assets$217,856
Total liabilities and capital$167,060
Total liabilities$159,301
Total deposits$151,857
Interest-bearing deposits$159,301
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,000
Other borrowed funds $0
Subordinated debt $1,759
All other liabilities $50,796
Total equity capital$50,796
Total bank equity capital$50,796
Perpetual preferred stock$0
Common stock$0
Undivided profits $50,796
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $9,880
Earning assets $0
Long-term assets (5+ years) $997
Average Assets, year-to-date $193,623
Average Assets, quarterly $0
Volatile liabilities $229,084
Insider loans $220,159
FHLB advances $168,548
Loans and leases held for sale $220,527
Unused loan commitments $11,770
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $53,470
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,431
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,366
Total interest expense $3,208
Net interest income $8,158
Provision for loan and lease losses $1,919
Total noninterest income $1,728
Fiduciary activities $0
Service charges on deposit accounts $276
Trading account gains & fees $0
Additional noninterest income $1,452
Total noninterest expense $5,898
Salaries and employee benefits $3,470
Premises and equipment expense $722
Additional noninterest expense $1,706
Pre-tax net operating income $2,069
Securities gains (losses) -$5,343
Applicable income taxes -$1,417
Income before extraordinary items -$1,857
Extraordinary gains - net $0
Net income attributable to bank -$1,857
Net charge-offs $0
Cash dividends -$1,857
Sale, conversion, retirement of capital stock, net $1,791
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.52%
Cost of funding earning assets 1.56%
Net interest margin 3.96%
Noninterest income to earning assets 0.84%
Noninterest expense to earning assets 2.87%
Net operating income to assets 0.68%
Return on assets (ROA) -0.81%
Pretax return on assets -1.43%
Return on equity (ROE) -3.53%
Retained earnings to average equity (YTD only) -3.53%
Net charge-offs to loans 1.41%
Credit loss provision to net charge-offs 107.15%
Efficiency ratio2.23%
Assets per employee$59,660
Cash dividends to net income (YTD only)4.36%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 16.27%
Noncurrent loans to loans 5.65%
Net loans and leases to deposits7.97%
Net loans and leases to core deposits 76.85%
Equity capital to assets 93.50%
Core capital (leverage) ratio 23.32%
Tier 1 risk-based capital ratio 24.25%
Total risk-based capital ratio 31.72%
Average assets$33
Average earning assets$229,084
Average equity $52,544
Average loans $205,838
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6 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
042822Mutual Savings Association, Fsa100 South 4th St, Leavenworth, KS 66048January 01, 1888Full Service Brick and Mortar
1278087403 East 4th Street Branch403 East 4th Street, Tonganoxie, KS 66086January 01, 1888Full Service Brick and Mortar
2278088Leavenworth Plaza Shopping Center Br3400 South Fourth Street, Leavenworth, KS 66048January 01, 1888Full Service Brick and Mortar
3278089515 Delaware Branch515 Delaware, Oskaloosa, KS 66066January 01, 1888Full Service Brick and Mortar
1002780908th & Main Branch801 Main, Eudora, KS 66025January 01, 1888Full Service Brick and Mortar
101278091Bonner Springs Branch229 Oak, Bonner Springs, KS 66012December 01, 1997Full Service Brick and Mortar
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