The Downs National Bank in Downs, Kansas (KS)

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The Downs National Bank
GeneralFDIC Certificate #: 4656
Status: Active
Federal Reserve ID: 915252
Bank Holding Company (Regulatory Top Holder): Downs Bancshares, Inc. (RSSDID: 1056862, Location: Downs, KS)
Date Established: January 01, 1919
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 3093
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 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
LocationAddress: 800 Morgan Avenue, Downs, KS 67437
County: Osborne
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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $17.9 mil
Equity capital: $1.8 mil
Deposits held in domestic offices: $16.0 mil
Return on assets (ROA): 0.50% ($0.1 mil)
Quarterly return on assets: 0.75% ($0.1 mil)
Return on Equity (ROE): 5.00% ($0.1 mil)
Quarterly return on equity: 7.21% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.52% ($92.9 mil)
Quarterly Pretax return on assets: 0.77% ($137.6 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)
Total employees (full-time equivalent)6
Total assets$17,867
Cash and due from depository institutions$4,995
Interest-bearing balances$3,725
Federal funds sold & reverse repurchase agreements$4
Net loans & leases$6,457
Loan loss allowance $167
Trading account assets$0
Bank premises and fixed assets$35
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$258
Life insurance assets$17,867
Total liabilities and capital$16,055
Total liabilities$15,995
Total deposits$12,624
Interest-bearing deposits$15,995
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $60
All other liabilities $1,812
Total equity capital$1,812
Total bank equity capital$1,812
Perpetual preferred stock$0
Common stock$100
Undivided profits $1,612
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 $0
Earning assets $0
Long-term assets (5+ years) $172
Average Assets, year-to-date $16,304
Average Assets, quarterly $2,338
Volatile liabilities $17,793
Insider loans $17,620
FHLB advances $7,866
Loans and leases held for sale $17,746
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $1,697
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $274
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $637
Total interest expense $76
Net interest income $561
Provision for loan and lease losses $0
Total noninterest income $66
Fiduciary activities $0
Service charges on deposit accounts $53
Trading account gains & fees $0
Additional noninterest income $13
Total noninterest expense $535
Salaries and employee benefits $249
Premises and equipment expense $43
Additional noninterest expense $243
Pre-tax net operating income $92
Securities gains (losses) $0
Applicable income taxes $3
Income before extraordinary items $89
Extraordinary gains - net $0
Net income attributable to bank $89
Net charge-offs $0
Cash dividends $89
Sale, conversion, retirement of capital stock, net -$5
Net operating income $67
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.98%
Cost of funding earning assets 0.47%
Net interest margin 3.50%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 3.34%
Net operating income to assets 0.50%
Return on assets (ROA) 0.50%
Pretax return on assets 0.52%
Return on equity (ROE) 5.00%
Retained earnings to average equity (YTD only) 1.24%
Net charge-offs to loans -0.08%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$85,327
Cash dividends to net income (YTD only)2.98%
Condition Ratios (%)
Loss allowance to loans 75.28%
Loss allowance to noncurrent loans 2.52%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 40.37%
Equity capital to assets 40.37%
Core capital (leverage) ratio 10.14%
Tier 1 risk-based capital ratio 9.56%
Total risk-based capital ratio 21.57%
Average assets$23
Average earning assets$17,793
Average equity $1,779
Average loans $16,016
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03093The Downs National Bank800 Morgan Avenue, Downs, KS 67437January 01, 1919Full Service Brick and Mortar
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