The Farmers & Merchants State Bank of Cawker City in Cawker City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Farmers & Merchants State Bank of Cawker City - Overview

  • General
  • FDIC Certificate #: 17999
    Status: Active
    Federal Reserve ID: 735357
    Bank Holding Company (Regulatory Top Holder): F & M State Bancshares, Inc. (RSSDID: 2230249, Location: Cawker City, KS)
    Date Established: April 05, 1897
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11930
    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: May 13, 1959
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 21, 2010
    Last Data Update: June 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 719 Wisconsin St, Cawker City, KS 67430
    County: Mitchell
    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
    Change in Location
  • Financial Summary
  • Total assets: $15.7 mil
    Equity capital: $1.3 mil
    Deposits held in domestic offices: $12.7 mil
    Return on assets (ROA): 1.76% ($0.3 mil)
    Quarterly return on assets: 1.38% ($0.2 mil)
    Return on Equity (ROE): 21.50% ($0.2 mil)
    Quarterly return on equity: 16.32% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.76% ($275.8 mil)
    Quarterly Pretax return on assets: 1.38% ($216.2 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
  • 3Total employees (full-time equivalent)
  • $15,669Total assets
  • $489Cash and due from depository institutions
  • $0Interest-bearing balances
  • $0Securities
  • $553Federal funds sold & reverse repurchase agreements
  • $13,956Net loans & leases
  • $134Loan loss allowance
  • $0Trading account assets
  • $171Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $15,669Life insurance assets
  • $500All other assets
  • $14,351Total liabilities and capital
  • $12,656Total liabilities
  • $10,325Total deposits
  • $12,656Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,600Trading liabilities
  • $0Other borrowed funds
  • $95Subordinated debt
  • $1,318All other liabilities
  • $1,318Total equity capital
  • $1,318Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $300Surplus
  • $918Undivided 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
  • $277Long-term assets (5+ years)
  • $14,509Average Assets, year-to-date
  • $4,382Average Assets, quarterly
  • $16,320Volatile liabilities
  • $15,608Insider loans
  • $13,068FHLB advances
  • $15,563Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,318Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $780Restructured Loans and leases
  • $747Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $878Total interest income
  • $224Total interest expense
  • $654Net interest income
  • $0Provision for loan and lease losses
  • $37Total noninterest income
  • $0Fiduciary activities
  • $29Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8Additional noninterest income
  • $403Total noninterest expense
  • $202Salaries and employee benefits
  • $43Premises and equipment expense
  • $158Additional noninterest expense
  • $288Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $288Income before extraordinary items
  • $0Extraordinary gains - net
  • $288Net income attributable to bank
  • $0Net charge-offs
  • $288Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $260Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.70%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 1.76%Net operating income to assets
  • 1.76%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 21.50%Return on equity (ROE)
  • 2.09%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 144.00%Efficiency ratio
  • 58,321Assets per employee
  • 5.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.28%Loss allowance to loans
  • 0.95%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
  • 110.27%Net loans and leases to core deposits
  • 144.79%Equity capital to assets
  • 8.41%Core capital (leverage) ratio
  • 8.47%Tier 1 risk-based capital ratio
  • 10.09%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $16,320Average earning assets
  • $1,340Average equity
  • $15,394Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011930The Farmers & Merchants State Bank O719 Wisconsin St, Cawker City, KS 67430April 05, 1897Full Service Brick and Mortar

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