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
No
ID
Name
Address
Established
Service Type
Map
0
14640
State Bank Of Carbondale
530 West Street, Carbondale, KS 66414
August 01, 1973
Full Service Brick and Mortar
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