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

The Downs National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 6Total employees (full-time equivalent)
  • $17,867Total assets
  • $4,995Cash and due from depository institutions
  • $3,725Interest-bearing balances
  • $6,118Securities
  • $4Federal funds sold & reverse repurchase agreements
  • $6,457Net loans & leases
  • $167Loan loss allowance
  • $0Trading account assets
  • $35Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $17,867Life insurance assets
  • $258All other assets
  • $16,055Total liabilities and capital
  • $15,995Total liabilities
  • $12,624Total deposits
  • $15,995Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $60Subordinated debt
  • $1,812All other liabilities
  • $1,812Total equity capital
  • $1,812Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $100Surplus
  • $1,612Undivided 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
  • $172Long-term assets (5+ years)
  • $16,304Average Assets, year-to-date
  • $2,338Average Assets, quarterly
  • $17,793Volatile liabilities
  • $17,620Insider loans
  • $7,866FHLB advances
  • $17,746Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,697Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $274Restructured Loans and leases
  • $136Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $637Total interest income
  • $76Total interest expense
  • $561Net interest income
  • $0Provision for loan and lease losses
  • $66Total noninterest income
  • $0Fiduciary activities
  • $53Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13Additional noninterest income
  • $535Total noninterest expense
  • $249Salaries and employee benefits
  • $43Premises and equipment expense
  • $243Additional noninterest expense
  • $92Pre-tax net operating income
  • $0Securities gains (losses)
  • $3Applicable income taxes
  • $89Income before extraordinary items
  • $0Extraordinary gains - net
  • $89Net income attributable to bank
  • $0Net charge-offs
  • $89Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $67Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 5.00%Return on equity (ROE)
  • 1.24%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 85,327Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.28%Loss allowance to loans
  • 2.52%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
  • 40.37%Net loans and leases to core deposits
  • 40.37%Equity capital to assets
  • 10.14%Core capital (leverage) ratio
  • 9.56%Tier 1 risk-based capital ratio
  • 21.57%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $17,793Average earning assets
  • $1,779Average equity
  • $16,016Average loans

List of branches

  • 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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