State Bank of Carbondale in Carbondale, Kansas (KS)



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State Bank of Carbondale routing number info

Table of contents:
State Bank of Carbondale
GeneralFDIC Certificate #: 21174
Status: Active
Federal Reserve ID: 919858
Bank Holding Company (Regulatory Top Holder): Carbondale Bankshares, Inc. (RSSDID: 1063785, Location: Carbondale, KS)
Date Established: August 01, 1973
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 14640
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: August 01, 1973
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
LocationAddress: 530 West Street, Carbondale, KS 66414
County: Osage
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
Core Based Statistical Area (CBSA): Topeka, KS (#45820)
CBSA Metro Statistical Area: Topeka, KS (#45820)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $17.5 mil
Equity capital: $1.7 mil
Deposits held in domestic offices: $15.6 mil
Return on assets (ROA): 0.23% ($0.0 mil)
Quarterly return on assets: 0.22% ($0.0 mil)
Return on Equity (ROE): 2.59% ($0.1 mil)
Quarterly return on equity: 2.43% ($0.0 mil)
Net income: $0.0 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.25% ($43.9 mil)
Quarterly Pretax return on assets: 0.18% ($31.6 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)
Total employees (full-time equivalent)7
Total assets$17,548
Cash and due from depository institutions$1,798
Interest-bearing balances$935
Securities$4,118
Federal funds sold & reverse repurchase agreements$887
Net loans & leases$9,603
Loan loss allowance $125
Trading account assets$0
Bank premises and fixed assets$149
Other real estate owned$56
Goodwill and other intangibles$0
All other assets$937
Life insurance assets$17,548
Total liabilities and capital$15,897
Total liabilities$15,612
Total deposits$12,573
Interest-bearing deposits$15,612
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $285
All other liabilities $1,651
Total equity capital$1,651
Total bank equity capital$1,651
Perpetual preferred stock$0
Common stock$100
Surplus$200
Undivided profits $1,351
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 $65
Earning assets $0
Long-term assets (5+ years) $120
Average Assets, year-to-date $15,543
Average Assets, quarterly $974
Volatile liabilities $18,267
Insider loans $17,882
FHLB advances $10,446
Loans and leases held for sale $18,038
Unused loan commitments $678
Tier 1 (core) risk-based capital $678
Tier 2 risk-based capital $1,624
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $179
Derivatives$43
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $789
Total interest expense $122
Net interest income $667
Provision for loan and lease losses $0
Total noninterest income $128
Fiduciary activities $0
Service charges on deposit accounts $83
Trading account gains & fees $0
Additional noninterest income $45
Total noninterest expense $749
Salaries and employee benefits $424
Premises and equipment expense $82
Additional noninterest expense $243
Pre-tax net operating income $46
Securities gains (losses) $0
Applicable income taxes $4
Income before extraordinary items $42
Extraordinary gains - net $0
Net income attributable to bank $42
Net charge-offs $0
Cash dividends $42
Sale, conversion, retirement of capital stock, net $0
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 assets4.82%
Cost of funding earning assets 0.75%
Net interest margin 4.07%
Noninterest income to earning assets 0.78%
Noninterest expense to earning assets 4.57%
Net operating income to assets 0.23%
Return on assets (ROA) 0.23%
Pretax return on assets 0.25%
Return on equity (ROE) 2.59%
Retained earnings to average equity (YTD only) 2.59%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$94,214
Cash dividends to net income (YTD only)2.51%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.28%
Noncurrent assets plus other real estate owned to assets 192.31%
Noncurrent loans to loans 0.69%
Net loans and leases to deposits0.67%
Net loans and leases to core deposits 61.51%
Equity capital to assets 61.51%
Core capital (leverage) ratio 9.41%
Tier 1 risk-based capital ratio 9.00%
Total risk-based capital ratio 15.55%
Memoranda
Average assets$17
Average earning assets$18,267
Average equity $1,623
Average loans $16,375
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
014640State Bank Of Carbondale530 West Street, Carbondale, KS 66414August 01, 1973Full Service Brick and Mortar
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