The Bank in Oberlin, Kansas (KS)



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The Bank
GeneralFDIC Certificate #: 26522
Status: Active
Federal Reserve ID: 333650
Bank Holding Company (Regulatory Top Holder): Decatur Investment, Inc. (RSSDID: 1137855, Location: Oberlin, KS)
Date Established: November 21, 1985
WWW: http://www.thebankks.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 9433
FDIC's unique #: 33224
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: November 21, 1985
Last Structure Change Effective Date: December 20, 2010
Last Structure Change Process Date: December 20, 2010
Last Data Update: December 20, 2010
Data Source Date: April 05, 2012
LocationAddress: 205 S. Penn, Oberlin, KS 67749
County: Decatur
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
History of ChangesChange in Location
Financial SummaryTotal assets: $201.9 mil
Equity capital: $20.7 mil
Deposits held in domestic offices: $175.9 mil
Return on assets (ROA): 2.29% ($4.6 mil)
Quarterly return on assets: 2.28% ($4.6 mil)
Return on Equity (ROE): 22.77% ($4.8 mil)
Quarterly return on equity: 22.22% ($4.7 mil)
Net income: $4.4 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 2.41% ($4,864.7 mil)
Quarterly Pretax return on assets: 2.34% ($4,723.4 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)39
Total assets$201,854
Cash and due from depository institutions$26,605
Interest-bearing balances$19,789
Securities$46,895
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$122,663
Loan loss allowance $1,464
Trading account assets$0
Bank premises and fixed assets$442
Other real estate owned$92
Goodwill and other intangibles$1,363
All other assets$3,794
Life insurance assets$201,854
Total liabilities and capital$181,203
Total liabilities$175,858
Total deposits$134,130
Interest-bearing deposits$175,858
Deposits held in domestic offices$83
% insured (estimated)320.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,919
Other borrowed funds $0
Subordinated debt $106
All other liabilities $20,651
Total equity capital$20,651
Total bank equity capital$20,651
Perpetual preferred stock$0
Common stock$645
Surplus$6,853
Undivided profits $13,153
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 $731
Earning assets $36
Long-term assets (5+ years) $2,678
Average Assets, year-to-date $189,347
Average Assets, quarterly $32,587
Volatile liabilities $191,504
Insider loans $196,198
FHLB advances $130,627
Loans and leases held for sale $194,163
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $17,656
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $29,920
Derivatives$2,764
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,220
Total interest expense $794
Net interest income $7,426
Provision for loan and lease losses $0
Total noninterest income $594
Fiduciary activities $0
Service charges on deposit accounts $443
Trading account gains & fees $0
Additional noninterest income $151
Total noninterest expense $3,399
Salaries and employee benefits $2,199
Premises and equipment expense $230
Additional noninterest expense $970
Pre-tax net operating income $4,621
Securities gains (losses) $0
Applicable income taxes $229
Income before extraordinary items $4,392
Extraordinary gains - net $0
Net income attributable to bank $4,392
Net charge-offs $0
Cash dividends $4,392
Sale, conversion, retirement of capital stock, net -$50
Net operating income $3,242
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.51%
Cost of funding earning assets 0.44%
Net interest margin 4.08%
Noninterest income to earning assets 0.33%
Noninterest expense to earning assets 1.87%
Net operating income to assets 2.29%
Return on assets (ROA) 2.29%
Pretax return on assets 2.41%
Return on equity (ROE) 22.77%
Retained earnings to average equity (YTD only) 5.96%
Net charge-offs to loans -0.04%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$40,960
Cash dividends to net income (YTD only)5.18%
Condition Ratios (%)
Loss allowance to loans 73.82%
Loss allowance to noncurrent loans 1.18%
Noncurrent assets plus other real estate owned to assets 200.27%
Noncurrent loans to loans 0.41%
Net loans and leases to deposits0.59%
Net loans and leases to core deposits 69.75%
Equity capital to assets 72.83%
Core capital (leverage) ratio 10.23%
Tier 1 risk-based capital ratio 9.09%
Total risk-based capital ratio 13.52%
Memoranda
Average assets$15
Average earning assets$191,504
Average equity $19,287
Average loans $182,202
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10 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
033224The Bank205 S. Penn, Oberlin, KS 67749November 21, 1985Full Service Brick and Mortar
315418Jennings BranchMain Street And Topeka Avenue, Jennings, KS 67643December 29, 1975Full Service Brick and Mortar
4259645Norton Branch314 West Holme, Norton, KS 67654January 16, 1990Full Service Brick and Mortar
69471Oakley Branch225 Center, Oakley, KS 67748June 25, 1917Full Service Brick and Mortar
7233214Winona BranchBellview And Front Street, Winona, KS 67764October 27, 1988Full Service Brick and Mortar
932030Selden Branch108 N Kansas Ave, Selden, KS 67757December 21, 1984Full Service Brick and Mortar
109764Atwood Branch121 South 4th Street, Atwood, KS 67730January 01, 1893Full Service Brick and Mortar
11234016Atwood/Herndon BranchQuincy And Lockhart, Herndon, KS 67739July 01, 1987Full Service Brick and Mortar
138322Norcatur Branch101 South Decatur Avenue, Norcatur, KS 67653January 01, 1908Full Service Brick and Mortar
1417581Colby Branch1290 West Fourth, Colby, KS 67701October 10, 1984Full Service Brick and Mortar
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