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

The Caldwell State Bank in Caldwell, Kansas - Overview

  • General
  • FDIC Certificate #: 17399
    Status: Active
    Federal Reserve ID: 734855
    Date Established: April 03, 1928
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15556
    FDIC's unique #: 11397
    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: Febuary 10, 1955
    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: 24 North Main Street, Caldwell, KS 67022
    County: Sumner
    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
    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: $39.6 mil
    Equity capital: $3.9 mil
    Deposits held in domestic offices: $33.8 mil
    Return on assets (ROA): 1.16% ($0.5 mil)
    Quarterly return on assets: 3.42% ($1.4 mil)
    Return on Equity (ROE): 12.53% ($0.5 mil)
    Quarterly return on equity: 35.19% ($1.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.21% ($479.1 mil)
    Quarterly Pretax return on assets: 3.56% ($1,409.6 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
  • 9Total employees (full-time equivalent)
  • $39,595Total assets
  • $545Cash and due from depository institutions
  • $0Interest-bearing balances
  • $0Securities
  • $18,272Federal funds sold & reverse repurchase agreements
  • $20,009Net loans & leases
  • $188Loan loss allowance
  • $0Trading account assets
  • $264Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $39,595Life insurance assets
  • $505All other assets
  • $35,651Total liabilities and capital
  • $33,773Total liabilities
  • $26,949Total deposits
  • $33,773Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,538Trading liabilities
  • $0Other borrowed funds
  • $340Subordinated debt
  • $3,944All other liabilities
  • $3,944Total equity capital
  • $3,944Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $800Surplus
  • $2,344Undivided 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
  • $239Long-term assets (5+ years)
  • $38,281Average Assets, year-to-date
  • $3,930Average Assets, quarterly
  • $39,743Volatile liabilities
  • $40,442Insider loans
  • $24,294FHLB advances
  • $40,429Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,244Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,709Restructured Loans and leases
  • $492Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,540Total interest income
  • $298Total interest expense
  • $1,242Net interest income
  • $85Provision for loan and lease losses
  • $155Total noninterest income
  • $0Fiduciary activities
  • $124Service charges on deposit accounts
  • $0Trading account gains & fees
  • $31Additional noninterest income
  • $1,108Total noninterest expense
  • $612Salaries and employee benefits
  • $94Premises and equipment expense
  • $402Additional noninterest expense
  • $204Pre-tax net operating income
  • $276Securities gains (losses)
  • $19Applicable income taxes
  • $461Income before extraordinary items
  • $0Extraordinary gains - net
  • $461Net income attributable to bank
  • $0Net charge-offs
  • $461Cash dividends
  • $214Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.09%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.30%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 12.53%Return on equity (ROE)
  • 12.53%Retained earnings to average equity (YTD only)
  • 1.04%Net charge-offs to loans
  • 39.72%Credit loss provision to net charge-offs
  • 1.35%Efficiency ratio
  • 79,313Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 59.25%Net loans and leases to core deposits
  • 61.91%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 10.50%Tier 1 risk-based capital ratio
  • 17.47%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $39,743Average earning assets
  • $3,678Average equity
  • $37,658Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011397The Caldwell State Bank In Caldwell, Kansas24 North Main Street, Caldwell, KS 67022April 03, 1928Full Service Brick and Mortar

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