The Exchange State Bank of St. Paul, Kansas in St. Paul, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Exchange State Bank of St. Paul, Kansas - Overview

  • General
  • FDIC Certificate #: 14556
    Status: Active
    Federal Reserve ID: 534859
    Bank Holding Company (Regulatory Top Holder): Southeast Kansas Bancshares, Inc. (RSSDID: 2124816, Location: Girard, KS)
    Date Established: September 26, 1914
    WWW: http://www.esbks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9095
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 06, 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: Fifth And Jefferson Streets, St. Paul, KS 66771
    County: Neosho
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $68.0 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $58.3 mil
    Return on assets (ROA): 1.06% ($0.7 mil)
    Quarterly return on assets: 1.11% ($0.8 mil)
    Return on Equity (ROE): 14.66% ($0.7 mil)
    Quarterly return on equity: 14.53% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.38% ($938.1 mil)
    Quarterly Pretax return on assets: 1.40% ($951.6 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
  • 17Total employees (full-time equivalent)
  • $67,975Total assets
  • $9,657Cash and due from depository institutions
  • $5,947Interest-bearing balances
  • $25,792Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,663Net loans & leases
  • $556Loan loss allowance
  • $0Trading account assets
  • $734Bank premises and fixed assets
  • $132Other real estate owned
  • $0Goodwill and other intangibles
  • $67,975Life insurance assets
  • $997All other assets
  • $62,784Total liabilities and capital
  • $58,264Total liabilities
  • $52,592Total deposits
  • $58,264Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 1774.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,509Trading liabilities
  • $0Other borrowed funds
  • $237Subordinated debt
  • $5,191All other liabilities
  • $5,191Total equity capital
  • $5,191Total bank equity capital
  • $0Perpetual preferred stock
  • $270Common stock
  • $2,005Surplus
  • $2,916Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $217Income earned, not collected on loans
  • $0Earning assets
  • $671Long-term assets (5+ years)
  • $62,402Average Assets, year-to-date
  • $32,140Average Assets, quarterly
  • $67,201Volatile liabilities
  • $67,225Insider loans
  • $34,999FHLB advances
  • $66,887Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,191Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,426Restructured Loans and leases
  • $988Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,177Total interest income
  • $628Total interest expense
  • $2,549Net interest income
  • $90Provision for loan and lease losses
  • $221Total noninterest income
  • $0Fiduciary activities
  • $179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $42Additional noninterest income
  • $1,750Total noninterest expense
  • $1,148Salaries and employee benefits
  • $200Premises and equipment expense
  • $402Additional noninterest expense
  • $930Pre-tax net operating income
  • $0Securities gains (losses)
  • $219Applicable income taxes
  • $711Income before extraordinary items
  • $0Extraordinary gains - net
  • $711Net income attributable to bank
  • $0Net charge-offs
  • $711Cash dividends
  • $109Sale, conversion, retirement of capital stock, net
  • $180Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 14.66%Return on equity (ROE)
  • 10.95%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 82.57%Credit loss provision to net charge-offs
  • 9.36%Efficiency ratio
  • 63,177Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.32%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 256.22%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 52.63%Net loans and leases to core deposits
  • 58.24%Equity capital to assets
  • 7.64%Core capital (leverage) ratio
  • 7.76%Tier 1 risk-based capital ratio
  • 14.83%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $67,201Average earning assets
  • $4,851Average equity
  • $62,570Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09095The Exchange State Bank Of St. Paul, KansasFifth And Jefferson Streets, St. Paul, KS 66771September 26, 1914Full Service Brick and Mortar
    1231728Girard Branch108 East St. John, Girard, KS 66743October 07, 1996Full Service Brick and Mortar
    2231729Columbus Branch209 Northeast Avenue, Columbus, KS 66725Febuary 16, 1999Full Service Brick and Mortar

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