Silver Lake Bank in Topeka, Kansas (KS)



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Silver Lake Bank
GeneralFDIC Certificate #: 15323
Status: Active
Federal Reserve ID: 326054
Bank Holding Company (Regulatory Top Holder): Gideon Enterprises L.P. (RSSDID: 2839781, Location: Topeka, KS)
Date Established: January 01, 1909
WWW: http://www.silverlakebank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 10532
FDIC's unique #: 9659
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: Commercial Lending Specialization
Date of Deposit Insurance: December 16, 1935
Last Structure Change Effective Date: October 02, 2006
Last Structure Change Process Date: March 04, 2009
Last Data Update: March 04, 2009
Data Source Date: April 05, 2012
LocationAddress: 201 Nw U.S. Highway 24, Topeka, KS 66608
County: Shawnee
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): Topeka, KS (#8440)
Core Based Statistical Area (CBSA): Topeka, KS (#45820)
CBSA Metro Statistical Area: Topeka, KS (#45820)
History of ChangesCorrections
Financial SummaryTotal assets: $218.3 mil
Equity capital: $26.7 mil
Deposits held in domestic offices: $161.1 mil
Return on assets (ROA): 0.78% ($1.7 mil)
Quarterly return on assets: 1.15% ($2.5 mil)
Return on Equity (ROE): 6.64% ($1.8 mil)
Quarterly return on equity: 9.32% ($2.5 mil)
Net income: $1.7 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.12% ($2,445.5 mil)
Quarterly Pretax return on assets: 1.69% ($3,690.1 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)51
Total assets$218,349
Cash and due from depository institutions$20,671
Interest-bearing balances$16,472
Securities$57,866
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$134,005
Loan loss allowance $1,973
Trading account assets$0
Bank premises and fixed assets$2,572
Other real estate owned$825
Goodwill and other intangibles$0
All other assets$2,410
Life insurance assets$218,349
Total liabilities and capital$191,631
Total liabilities$161,119
Total deposits$137,996
Interest-bearing deposits$161,119
Deposits held in domestic offices$85
% insured (estimated)15150.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,000
Other borrowed funds $0
Subordinated debt $362
All other liabilities $26,718
Total equity capital$26,718
Total bank equity capital$26,718
Perpetual preferred stock$0
Common stock$150
Surplus$1,000
Undivided profits $25,568
Memoranda
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 $1,415
Earning assets $0
Long-term assets (5+ years) $983
Average Assets, year-to-date $208,343
Average Assets, quarterly $70,752
Volatile liabilities $218,026
Insider loans $216,002
FHLB advances $136,156
Loans and leases held for sale $220,156
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,778
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $21,485
Derivatives$2,426
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,466
Total interest expense $2,272
Net interest income $7,194
Provision for loan and lease losses $1,065
Total noninterest income $358
Fiduciary activities $5
Service charges on deposit accounts $272
Trading account gains & fees $0
Additional noninterest income $81
Total noninterest expense $4,423
Salaries and employee benefits $2,937
Premises and equipment expense $556
Additional noninterest expense $930
Pre-tax net operating income $2,064
Securities gains (losses) $368
Applicable income taxes $721
Income before extraordinary items $1,711
Extraordinary gains - net $0
Net income attributable to bank $1,711
Net charge-offs $0
Cash dividends $1,711
Sale, conversion, retirement of capital stock, net $1,620
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 assets4.53%
Cost of funding earning assets 1.09%
Net interest margin 3.45%
Noninterest income to earning assets 0.17%
Noninterest expense to earning assets 2.12%
Net operating income to assets 0.67%
Return on assets (ROA) 0.78%
Pretax return on assets 1.12%
Return on equity (ROE) 6.64%
Retained earnings to average equity (YTD only) 6.64%
Net charge-offs to loans 1.14%
Credit loss provision to net charge-offs 65.74%
Efficiency ratio1.93%
Assets per employee$58,567
Cash dividends to net income (YTD only)4.28%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.45%
Noncurrent assets plus other real estate owned to assets 139.43%
Noncurrent loans to loans 1.03%
Net loans and leases to deposits1.04%
Net loans and leases to core deposits 83.17%
Equity capital to assets 88.30%
Core capital (leverage) ratio 12.24%
Tier 1 risk-based capital ratio 11.71%
Total risk-based capital ratio 18.93%
Memoranda
Average assets$20
Average earning assets$218,026
Average equity $25,754
Average loans $208,782
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$6,870
Number of Accounts1
Personal trust and agency accounts$6,870
Employee benefit-defined contribution accounts$6,870
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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4 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09659Silver Lake Bank201 Nw U.S. Highway 24, Topeka, KS 66608January 01, 1909Full Service Brick and Mortar
2233689Silver Lake Branch209 Railroad Street, Silver Lake, KS 66539December 10, 1990Full Service Brick and Mortar
343438Gage Branch2011 Southwest Gage Boulevard, Topeka, KS 66604January 01, 1925Full Service Brick and Mortar
7364297Urish Road Branch2100 Sw Urish Road, Topeka, KS 66614July 22, 2002Full Service Brick and Mortar
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