The Farmers Bank of Osborne in Osborne, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Farmers Bank of Osborne - Overview

  • General
  • FDIC Certificate #: 4748
    Status: Active
    Federal Reserve ID: 458553
    Bank Holding Company (Regulatory Top Holder): Osborne Investments, Inc. (RSSDID: 1055717, Location: Osborne, KS)
    Date Established: April 01, 1901
    WWW: http://www.farmersbankofosborne.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 53500
    FDIC's unique #: 3164
    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: January 01, 1934
    Last Structure Change Effective Date: July 23, 2011
    Last Structure Change Process Date: July 28, 2011
    Last Data Update: July 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: First And Main Streets, Osborne, KS 67473
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $56.7 mil
    Equity capital: $6.7 mil
    Deposits held in domestic offices: $48.8 mil
    Return on assets (ROA): 1.04% ($0.6 mil)
    Quarterly return on assets: 0.89% ($0.5 mil)
    Return on Equity (ROE): 8.91% ($0.6 mil)
    Quarterly return on equity: 7.38% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.09% ($617.6 mil)
    Quarterly Pretax return on assets: 0.92% ($521.3 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
  • 18Total employees (full-time equivalent)
  • $56,661Total assets
  • $8,917Cash and due from depository institutions
  • $7,296Interest-bearing balances
  • $16,077Securities
  • $63Federal funds sold & reverse repurchase agreements
  • $29,768Net loans & leases
  • $440Loan loss allowance
  • $0Trading account assets
  • $468Bank premises and fixed assets
  • $280Other real estate owned
  • $74Goodwill and other intangibles
  • $56,661Life insurance assets
  • $1,014All other assets
  • $49,924Total liabilities and capital
  • $48,774Total liabilities
  • $40,508Total deposits
  • $48,774Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,018Trading liabilities
  • $0Other borrowed funds
  • $132Subordinated debt
  • $6,737All other liabilities
  • $6,737Total equity capital
  • $6,737Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,726Surplus
  • $4,911Undivided 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
  • $709Long-term assets (5+ years)
  • $53,204Average Assets, year-to-date
  • $8,562Average Assets, quarterly
  • $50,226Volatile liabilities
  • $55,089Insider loans
  • $37,011FHLB advances
  • $54,788Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,103Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,879Restructured Loans and leases
  • $962Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,289Total interest income
  • $384Total interest expense
  • $1,905Net interest income
  • $17Provision for loan and lease losses
  • $126Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • $58Additional noninterest income
  • $1,468Total noninterest expense
  • $903Salaries and employee benefits
  • $84Premises and equipment expense
  • $481Additional noninterest expense
  • $546Pre-tax net operating income
  • $0Securities gains (losses)
  • $26Applicable income taxes
  • $520Income before extraordinary items
  • $0Extraordinary gains - net
  • $520Net income attributable to bank
  • $0Net charge-offs
  • $520Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.85%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 8.91%Return on equity (ROE)
  • 5.91%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 340.00%Credit loss provision to net charge-offs
  • 112.60%Efficiency ratio
  • 71,935Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.65%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 61.03%Net loans and leases to core deposits
  • 61.92%Equity capital to assets
  • 11.89%Core capital (leverage) ratio
  • 11.14%Tier 1 risk-based capital ratio
  • 16.49%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $50,226Average earning assets
  • $5,837Average equity
  • $47,167Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03164The Farmers Bank Of OsborneFirst And Main Streets, Osborne, KS 67473April 01, 1901Full Service Brick and Mortar
    117610Gaylord Branch100 Main Street, Gaylord, KS 67638October 25, 1984Full Service Brick and Mortar
    27912Luray Branch102 South Main Street, Luray, KS 67649June 01, 1900Full Service Brick and Mortar

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