The Bank in Oberlin, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 39Total employees (full-time equivalent)
  • $201,854Total assets
  • $26,605Cash and due from depository institutions
  • $19,789Interest-bearing balances
  • $46,895Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $122,663Net loans & leases
  • $1,464Loan loss allowance
  • $0Trading account assets
  • $442Bank premises and fixed assets
  • $92Other real estate owned
  • $1,363Goodwill and other intangibles
  • $201,854Life insurance assets
  • $3,794All other assets
  • $181,203Total liabilities and capital
  • $175,858Total liabilities
  • $134,130Total deposits
  • $175,858Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 320.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,919Trading liabilities
  • $0Other borrowed funds
  • $106Subordinated debt
  • $20,651All other liabilities
  • $20,651Total equity capital
  • $20,651Total bank equity capital
  • $0Perpetual preferred stock
  • $645Common stock
  • $6,853Surplus
  • $13,153Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $731Income earned, not collected on loans
  • $36Earning assets
  • $2,678Long-term assets (5+ years)
  • $189,347Average Assets, year-to-date
  • $32,587Average Assets, quarterly
  • $191,504Volatile liabilities
  • $196,198Insider loans
  • $130,627FHLB advances
  • $194,163Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,656Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,920Restructured Loans and leases
  • $2,764Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,220Total interest income
  • $794Total interest expense
  • $7,426Net interest income
  • $0Provision for loan and lease losses
  • $594Total noninterest income
  • $0Fiduciary activities
  • $443Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $3,399Total noninterest expense
  • $2,199Salaries and employee benefits
  • $230Premises and equipment expense
  • $970Additional noninterest expense
  • $4,621Pre-tax net operating income
  • $0Securities gains (losses)
  • $229Applicable income taxes
  • $4,392Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,392Net income attributable to bank
  • $0Net charge-offs
  • $4,392Cash dividends
  • -$50Sale, conversion, retirement of capital stock, net
  • $3,242Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 1.87%Noninterest expense to earning assets
  • 2.29%Net operating income to assets
  • 2.29%Return on assets (ROA)
  • 2.41%Pretax return on assets
  • 22.77%Return on equity (ROE)
  • 5.96%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 40,960Assets per employee
  • 5.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.82%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 200.27%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 69.75%Net loans and leases to core deposits
  • 72.83%Equity capital to assets
  • 10.23%Core capital (leverage) ratio
  • 9.09%Tier 1 risk-based capital ratio
  • 13.52%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $191,504Average earning assets
  • $19,287Average equity
  • $182,202Average loans

List of branches

  • 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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