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

The Denison State Bank - Overview

  • General
  • FDIC Certificate #: 15305
    Status: Active
    Federal Reserve ID: 869551
    Bank Holding Company (Regulatory Top Holder): Denison Bancshares, Inc. Of Holton (RSSDID: 1058286, Location: Holton, KS)
    Date Established: January 01, 1901
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12004
    FDIC's unique #: 9646
    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 19, 1935
    Last Structure Change Effective Date: Febuary 22, 2008
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 421 New York Avenue, Holton, KS 66436
    County: Jackson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $286.4 mil
    Equity capital: $32.6 mil
    Deposits held in domestic offices: $239.2 mil
    Return on assets (ROA): 1.30% ($3.7 mil)
    Quarterly return on assets: 0.76% ($2.2 mil)
    Return on Equity (ROE): 11.33% ($3.7 mil)
    Quarterly return on equity: 6.58% ($2.2 mil)
    Net income: $3.6 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.33% ($3,809.1 mil)
    Quarterly Pretax return on assets: 0.70% ($2,004.8 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
  • 65Total employees (full-time equivalent)
  • $286,400Total assets
  • $3,664Cash and due from depository institutions
  • $238Interest-bearing balances
  • $80,914Securities
  • $1,856Federal funds sold & reverse repurchase agreements
  • $183,683Net loans & leases
  • $3,921Loan loss allowance
  • $0Trading account assets
  • $2,982Bank premises and fixed assets
  • $1,122Other real estate owned
  • $268Goodwill and other intangibles
  • $286,400Life insurance assets
  • $11,911All other assets
  • $253,768Total liabilities and capital
  • $239,195Total liabilities
  • $215,440Total deposits
  • $239,195Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,905Trading liabilities
  • $0Other borrowed funds
  • $668Subordinated debt
  • $32,632All other liabilities
  • $32,632Total equity capital
  • $32,632Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $6,050Surplus
  • $26,282Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $645Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,043Income earned, not collected on loans
  • $0Earning assets
  • $2,572Long-term assets (5+ years)
  • $266,691Average Assets, year-to-date
  • $72,900Average Assets, quarterly
  • $276,687Volatile liabilities
  • $283,795Insider loans
  • $190,516FHLB advances
  • $285,902Loans and leases held for sale
  • $7,453Unused loan commitments
  • $4,450Tier 1 (core) risk-based capital
  • $30,290Tier 2 risk-based capital
  • $3,003Total risk weighted assets
  • $0Total unused commitments
  • $23,558Restructured Loans and leases
  • $415Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,336Total interest income
  • $2,648Total interest expense
  • $10,688Net interest income
  • $1,467Provision for loan and lease losses
  • $1,694Total noninterest income
  • $0Fiduciary activities
  • $1,004Service charges on deposit accounts
  • $0Trading account gains & fees
  • $690Additional noninterest income
  • $7,243Total noninterest expense
  • $3,916Salaries and employee benefits
  • $733Premises and equipment expense
  • $2,594Additional noninterest expense
  • $3,672Pre-tax net operating income
  • $0Securities gains (losses)
  • $82Applicable income taxes
  • $3,590Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,590Net income attributable to bank
  • $0Net charge-offs
  • $3,590Cash dividends
  • $1,437Sale, conversion, retirement of capital stock, net
  • $2,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 11.33%Return on equity (ROE)
  • 3.76%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 102.09%Credit loss provision to net charge-offs
  • 3.58%Efficiency ratio
  • 56,889Assets per employee
  • 4.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.85%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 191.92%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 76.79%Net loans and leases to core deposits
  • 79.71%Equity capital to assets
  • 11.39%Core capital (leverage) ratio
  • 10.59%Tier 1 risk-based capital ratio
  • 15.90%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $276,687Average earning assets
  • $31,686Average equity
  • $256,603Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,000Managed Assets
  • 1Number of Accounts
  • $1,000Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $1,000Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09646The Denison State Bank421 New York Avenue, Holton, KS 66436January 01, 1901Full Service Brick and Mortar
    2233669Hoyt Branch210 Hwy K-214, Hoyt, KS 66440June 27, 1988Full Service Brick and Mortar
    3233670Holton Branch207 Arizona, Holton, KS 66436December 03, 1990Full Service Brick and Mortar
    58585Meriden Branch3675 74th Street, Meriden, KS 66512March 03, 1890Full Service Brick and Mortar
    6418702Topeka Branch3640 Sw Fairlawn, Topeka, KS 66614August 12, 2002Full Service Brick and Mortar

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