The Alden State Bank in Sterling, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Alden State Bank - Overview

  • General
  • FDIC Certificate #: 17652
    Status: Active
    Federal Reserve ID: 359650
    Bank Holding Company (Regulatory Top Holder): Alden Bancshares, Inc. (RSSDID: 1063749, Location: Sterling, KS)
    Date Established: January 01, 1904
    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 #: 11617
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 30, 1956
    Last Structure Change Effective Date: March 01, 2012
    Last Structure Change Process Date: March 01, 2012
    Last Data Update: March 01, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 North Broadway Avenue, Sterling, KS 67579
    County: Rice
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $19.7 mil
    Equity capital: $2.1 mil
    Deposits held in domestic offices: $17.5 mil
    Return on assets (ROA): 0.34% ($0.1 mil)
    Quarterly return on assets: 0.08% ($0.0 mil)
    Return on Equity (ROE): 3.20% ($0.1 mil)
    Quarterly return on equity: 0.75% ($0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.41% ($80.7 mil)
    Quarterly Pretax return on assets: 0.10% ($19.7 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
  • 6Total employees (full-time equivalent)
  • $19,672Total assets
  • $2,432Cash and due from depository institutions
  • $715Interest-bearing balances
  • $3,383Securities
  • $4,500Federal funds sold & reverse repurchase agreements
  • $8,879Net loans & leases
  • $183Loan loss allowance
  • $0Trading account assets
  • $224Bank premises and fixed assets
  • $90Other real estate owned
  • $0Goodwill and other intangibles
  • $19,672Life insurance assets
  • $164All other assets
  • $17,548Total liabilities and capital
  • $17,463Total liabilities
  • $14,350Total deposits
  • $17,463Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $85Subordinated debt
  • $2,124All other liabilities
  • $2,124Total equity capital
  • $2,124Total bank equity capital
  • $5Perpetual preferred stock
  • $50Common stock
  • $413Surplus
  • $1,656Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $88Long-term assets (5+ years)
  • $17,477Average Assets, year-to-date
  • $4,573Average Assets, quarterly
  • $19,382Volatile liabilities
  • $19,359Insider loans
  • $10,026FHLB advances
  • $19,774Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,061Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $616Restructured Loans and leases
  • $379Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $791Total interest income
  • $145Total interest expense
  • $646Net interest income
  • $0Provision for loan and lease losses
  • $74Total noninterest income
  • $0Fiduciary activities
  • $49Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25Additional noninterest income
  • $675Total noninterest expense
  • $379Salaries and employee benefits
  • $49Premises and equipment expense
  • $247Additional noninterest expense
  • $45Pre-tax net operating income
  • $34Securities gains (losses)
  • $13Applicable income taxes
  • $66Income before extraordinary items
  • $0Extraordinary gains - net
  • $66Net income attributable to bank
  • $0Net charge-offs
  • $66Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $5Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.19%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.20%Return on equity (ROE)
  • 2.95%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
  • 93,750Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.58%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 50.84%Net loans and leases to core deposits
  • 54.12%Equity capital to assets
  • 10.80%Core capital (leverage) ratio
  • 10.42%Tier 1 risk-based capital ratio
  • 20.56%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $19,382Average earning assets
  • $2,066Average equity
  • $17,071Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011617The Alden State Bank124 North Broadway Avenue, Sterling, KS 67579January 01, 1904Full Service Brick and Mortar

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