State Bank of Carbondale in Carbondale, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


State Bank of Carbondale - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 7Total employees (full-time equivalent)
  • $17,548Total assets
  • $1,798Cash and due from depository institutions
  • $935Interest-bearing balances
  • $4,118Securities
  • $887Federal funds sold & reverse repurchase agreements
  • $9,603Net loans & leases
  • $125Loan loss allowance
  • $0Trading account assets
  • $149Bank premises and fixed assets
  • $56Other real estate owned
  • $0Goodwill and other intangibles
  • $17,548Life insurance assets
  • $937All other assets
  • $15,897Total liabilities and capital
  • $15,612Total liabilities
  • $12,573Total deposits
  • $15,612Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $285Subordinated debt
  • $1,651All other liabilities
  • $1,651Total equity capital
  • $1,651Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $200Surplus
  • $1,351Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $65Income earned, not collected on loans
  • $0Earning assets
  • $120Long-term assets (5+ years)
  • $15,543Average Assets, year-to-date
  • $974Average Assets, quarterly
  • $18,267Volatile liabilities
  • $17,882Insider loans
  • $10,446FHLB advances
  • $18,038Loans and leases held for sale
  • $678Unused loan commitments
  • $678Tier 1 (core) risk-based capital
  • $1,624Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $179Restructured Loans and leases
  • $43Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $789Total interest income
  • $122Total interest expense
  • $667Net interest income
  • $0Provision for loan and lease losses
  • $128Total noninterest income
  • $0Fiduciary activities
  • $83Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45Additional noninterest income
  • $749Total noninterest expense
  • $424Salaries and employee benefits
  • $82Premises and equipment expense
  • $243Additional noninterest expense
  • $46Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $42Income before extraordinary items
  • $0Extraordinary gains - net
  • $42Net income attributable to bank
  • $0Net charge-offs
  • $42Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 4.57%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 2.59%Return on equity (ROE)
  • 2.59%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 94,214Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 192.31%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 61.51%Net loans and leases to core deposits
  • 61.51%Equity capital to assets
  • 9.41%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 15.55%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $18,267Average earning assets
  • $1,623Average equity
  • $16,375Average loans

List of branches

  • 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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