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

The Bank of Whitewater - Overview

  • General
  • FDIC Certificate #: 13578
    Status: Active
    Federal Reserve ID: 370758
    Bank Holding Company (Regulatory Top Holder): Whitewater Bancshares, Inc. (RSSDID: 2293655, Location: Whitewater, KS)
    Date Established: April 03, 1891
    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 #: 8487
    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: January 08, 1934
    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: 126 South Main Street, Whitewater, KS 67154
    County: Butler
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
    Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
    Core Based Statistical Area (CBSA): Wichita, KS (#48620)
    CBSA Metro Statistical Area: Wichita, KS (#48620)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $18.8 mil
    Equity capital: $1.5 mil
    Deposits held in domestic offices: $17.3 mil
    Return on assets (ROA): 0.35% ($0.1 mil)
    Quarterly return on assets: 0.29% ($0.1 mil)
    Return on Equity (ROE): 3.98% ($0.1 mil)
    Quarterly return on equity: 3.37% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.40% ($75.3 mil)
    Quarterly Pretax return on assets: 0.33% ($62.1 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
  • 5Total employees (full-time equivalent)
  • $18,832Total assets
  • $2,411Cash and due from depository institutions
  • $1,740Interest-bearing balances
  • $4,758Securities
  • $778Federal funds sold & reverse repurchase agreements
  • $10,683Net loans & leases
  • $359Loan loss allowance
  • $0Trading account assets
  • $37Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,832Life insurance assets
  • $165All other assets
  • $17,284Total liabilities and capital
  • $17,276Total liabilities
  • $13,073Total deposits
  • $17,276Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $8Subordinated debt
  • $1,548All other liabilities
  • $1,548Total equity capital
  • $1,548Total bank equity capital
  • $0Perpetual preferred stock
  • $140Common stock
  • $680Surplus
  • $728Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $47Income earned, not collected on loans
  • $0Earning assets
  • $125Long-term assets (5+ years)
  • $17,959Average Assets, year-to-date
  • $776Average Assets, quarterly
  • $17,388Volatile liabilities
  • $17,925Insider loans
  • $10,980FHLB advances
  • $18,028Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,548Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,629Restructured Loans and leases
  • $71Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $898Total interest income
  • $88Total interest expense
  • $810Net interest income
  • $235Provision for loan and lease losses
  • $81Total noninterest income
  • $0Fiduciary activities
  • $80Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1Additional noninterest income
  • $587Total noninterest expense
  • $315Salaries and employee benefits
  • $32Premises and equipment expense
  • $240Additional noninterest expense
  • $69Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $61Income before extraordinary items
  • $0Extraordinary gains - net
  • $61Net income attributable to bank
  • $0Net charge-offs
  • $61Cash dividends
  • $142Sale, conversion, retirement of capital stock, net
  • $39Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 4.88%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 3.98%Return on equity (ROE)
  • 1.44%Retained earnings to average equity (YTD only)
  • 1.28%Net charge-offs to loans
  • 165.49%Credit loss provision to net charge-offs
  • 2.14%Efficiency ratio
  • 65,881Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.93%Loss allowance to loans
  • 3.25%Loss allowance to noncurrent loans
  • 763.83%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 61.84%Net loans and leases to core deposits
  • 64.85%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 14.10%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $17,388Average earning assets
  • $1,532Average equity
  • $16,589Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08487The Bank Of Whitewater126 South Main Street, Whitewater, KS 67154April 03, 1891Full Service Brick and Mortar

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