Silver Lake Bank in Topeka, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Silver Lake Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Corrections
  • Financial Summary
  • Total 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
  • 51Total employees (full-time equivalent)
  • $218,349Total assets
  • $20,671Cash and due from depository institutions
  • $16,472Interest-bearing balances
  • $57,866Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $134,005Net loans & leases
  • $1,973Loan loss allowance
  • $0Trading account assets
  • $2,572Bank premises and fixed assets
  • $825Other real estate owned
  • $0Goodwill and other intangibles
  • $218,349Life insurance assets
  • $2,410All other assets
  • $191,631Total liabilities and capital
  • $161,119Total liabilities
  • $137,996Total deposits
  • $161,119Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 15150.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $362Subordinated debt
  • $26,718All other liabilities
  • $26,718Total equity capital
  • $26,718Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,000Surplus
  • $25,568Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,415Income earned, not collected on loans
  • $0Earning assets
  • $983Long-term assets (5+ years)
  • $208,343Average Assets, year-to-date
  • $70,752Average Assets, quarterly
  • $218,026Volatile liabilities
  • $216,002Insider loans
  • $136,156FHLB advances
  • $220,156Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,778Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,485Restructured Loans and leases
  • $2,426Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,466Total interest income
  • $2,272Total interest expense
  • $7,194Net interest income
  • $1,065Provision for loan and lease losses
  • $358Total noninterest income
  • $5Fiduciary activities
  • $272Service charges on deposit accounts
  • $0Trading account gains & fees
  • $81Additional noninterest income
  • $4,423Total noninterest expense
  • $2,937Salaries and employee benefits
  • $556Premises and equipment expense
  • $930Additional noninterest expense
  • $2,064Pre-tax net operating income
  • $368Securities gains (losses)
  • $721Applicable income taxes
  • $1,711Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,711Net income attributable to bank
  • $0Net charge-offs
  • $1,711Cash dividends
  • $1,620Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.45%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 6.64%Return on equity (ROE)
  • 6.64%Retained earnings to average equity (YTD only)
  • 1.14%Net charge-offs to loans
  • 65.74%Credit loss provision to net charge-offs
  • 1.93%Efficiency ratio
  • 58,567Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 139.43%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 83.17%Net loans and leases to core deposits
  • 88.30%Equity capital to assets
  • 12.24%Core capital (leverage) ratio
  • 11.71%Tier 1 risk-based capital ratio
  • 18.93%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $218,026Average earning assets
  • $25,754Average equity
  • $208,782Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $6,870Managed Assets
  • 1Number of Accounts
  • $6,870Personal trust and agency accounts
  • $6,870Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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