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


Roxbury Bank - Overview

  • General
  • FDIC Certificate #: 18074
    Status: Active
    Federal Reserve ID: 472652
    Bank Holding Company (Regulatory Top Holder): Roxbury Bancshares, Inc. (RSSDID: 1067064, Location: Roxbury, KS)
    Date Established: October 12, 1908
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12585
    FDIC's unique #: 11997
    Numeric code: 21
    Regulator: FDIC
    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: September 03, 1959
    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: 102 N Main St, Roxbury, KS 67476
    County: Mcpherson
    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
    Core Based Statistical Area (CBSA): McPherson, KS (#32700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $13.0 mil
    Equity capital: $1.2 mil
    Deposits held in domestic offices: $11.7 mil
    Return on assets (ROA): -1.52% (-$0.2 mil)
    Quarterly return on assets: 0.42% ($0.1 mil)
    Return on Equity (ROE): -18.15% (-$0.2 mil)
    Quarterly return on equity: 4.55% ($0.0 mil)
    Net income: -$0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -1.49% (-$193.8 mil)
    Quarterly Pretax return on assets: 0.42% ($54.6 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
  • 5Total employees (full-time equivalent)
  • $13,005Total assets
  • $1,292Cash and due from depository institutions
  • $748Interest-bearing balances
  • $2,606Securities
  • $79Federal funds sold & reverse repurchase agreements
  • $8,096Net loans & leases
  • $362Loan loss allowance
  • $0Trading account assets
  • $88Bank premises and fixed assets
  • $555Other real estate owned
  • $0Goodwill and other intangibles
  • $13,005Life insurance assets
  • $289All other assets
  • $11,768Total liabilities and capital
  • $11,748Total liabilities
  • $9,346Total deposits
  • $11,748Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $20Subordinated debt
  • $1,237All other liabilities
  • $1,237Total equity capital
  • $1,237Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,320Surplus
  • $-1,183Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $220Income earned, not collected on loans
  • $0Earning assets
  • $127Long-term assets (5+ years)
  • $11,529Average Assets, year-to-date
  • $668Average Assets, quarterly
  • $14,142Volatile liabilities
  • $13,208Insider loans
  • $8,371FHLB advances
  • $13,207Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,199Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $550Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $655Total interest income
  • $93Total interest expense
  • $562Net interest income
  • $108Provision for loan and lease losses
  • $99Total noninterest income
  • $0Fiduciary activities
  • $38Service charges on deposit accounts
  • $0Trading account gains & fees
  • $61Additional noninterest income
  • $764Total noninterest expense
  • $367Salaries and employee benefits
  • $60Premises and equipment expense
  • $337Additional noninterest expense
  • -$211Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • -$215Income before extraordinary items
  • $0Extraordinary gains - net
  • -$215Net income attributable to bank
  • $0Net charge-offs
  • -$215Cash dividends
  • $184Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.60%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 6.25%Noninterest expense to earning assets
  • -1.52%Net operating income to assets
  • -1.52%Return on assets (ROA)
  • -1.49%Pretax return on assets
  • -18.15%Return on equity (ROE)
  • -18.15%Retained earnings to average equity (YTD only)
  • 2.02%Net charge-offs to loans
  • 58.70%Credit loss provision to net charge-offs
  • -0.56%Efficiency ratio
  • 115,582Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.28%Loss allowance to noncurrent loans
  • 164.55%Noncurrent assets plus other real estate owned to assets
  • 5.96%Noncurrent loans to loans
  • 2.60%Net loans and leases to deposits
  • 68.91%Net loans and leases to core deposits
  • 68.91%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 14.32%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $14,142Average earning assets
  • $1,185Average equity
  • $12,221Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011997Roxbury Bank102 N Main St, Roxbury, KS 67476October 12, 1908Full Service Brick and Mortar

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