Railroad Savings Bank, F.S.B. in Wichita, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 1995

  • Railroad Savings Bank, F.S.B. in Wichita, Kansas (KS)
  • Show street view No street view available for this location

Railroad Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 30765
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Commercial Federal Bank, a Federal Savings Bank (#30341)
    Federal Reserve ID: 495174
    Date Established: January 01, 1896
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5883
    FDIC's unique #: 43599
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: January 13, 1956
    Last Structure Change Effective Date: October 02, 1995
    Last Structure Change Process Date: November 13, 1995
    Last Data Update: January 31, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 110 South Main Street, Wichita, KS 67202
    County: Sedgwick
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
    Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
    Core Based Statistical Area (CBSA): Wichita, KS (#48620)
    CBSA Metro Statistical Area: Wichita, KS (#48620)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $603.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $267Total assets
  • $560,094Cash and due from depository institutions
  • $4,904Interest-bearing balances
  • $2,834Securities
  • $41,279Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $482,893Loan loss allowance
  • $2,002Trading account assets
  • $0Bank premises and fixed assets
  • $3,813Other real estate owned
  • $7,865Goodwill and other intangibles
  • $18,716Life insurance assets
  • $624All other assets
  • $0Total liabilities and capital
  • $560,094Total liabilities
  • $529,495Total deposits
  • $324,428Interest-bearing deposits
  • $320,452Deposits held in domestic offices
  • 324428.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $201,846Subordinated debt
  • $0All other liabilities
  • $3,221Total equity capital
  • $3,221Total bank equity capital
  • $30,599Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $13,471Undivided profits
  • Memoranda
  • $17,028Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,211Income earned, not collected on loans
  • $2,513Earning assets
  • $527,006Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $496,122Average Assets, quarterly
  • $541,657Volatile liabilities
  • $213,279Insider loans
  • $0FHLB advances
  • $201,822Loans and leases held for sale
  • $0Unused loan commitments
  • $19,748Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $31,155Total risk weighted assets
  • $282,009Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $33,990Total interest expense
  • $19,253Net interest income
  • $14,737Provision for loan and lease losses
  • $375Total noninterest income
  • $5,301Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $5,301Total noninterest expense
  • $13,242Salaries and employee benefits
  • $7,641Premises and equipment expense
  • $2,208Additional noninterest expense
  • $3,393Pre-tax net operating income
  • $6,421Securities gains (losses)
  • -$1,861Applicable income taxes
  • $2,169Income before extraordinary items
  • $2,391Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,391Net charge-offs
  • $90Cash dividends
  • $1,522Sale, conversion, retirement of capital stock, net
  • $750Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.26%Cost of funding earning assets
  • 4.11%Net interest margin
  • 3.15%Noninterest income to earning assets
  • 1.13%Noninterest expense to earning assets
  • 2.83%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 0.92%Return on equity (ROE)
  • 8.00%Retained earnings to average equity (YTD only)
  • 2.91%Net charge-offs to loans
  • 0.02%Credit loss provision to net charge-offs
  • 416.67%Efficiency ratio
  • 66,035Assets per employee
  • 2.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.66%Loss allowance to loans
  • 0.41%Loss allowance to noncurrent loans
  • 90.55%Noncurrent assets plus other real estate owned to assets
  • 1.80%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 148.84%Net loans and leases to core deposits
  • 154.28%Equity capital to assets
  • 5.46%Core capital (leverage) ratio
  • 5.56%Tier 1 risk-based capital ratio
  • 11.05%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $496,122Average earning assets
  • $29,875Average equity
  • $468,218Average loans

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