The Farmers State Bank in Holton, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 15258
    Status: Active
    Federal Reserve ID: 863652
    Bank Holding Company (Regulatory Top Holder): Farmers State Bankshares, Inc. (RSSDID: 1717707, Location: Holton, KS)
    Date Established: October 30, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10927
    FDIC's unique #: 9605
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 21, 1935
    Last Structure Change Effective Date: August 01, 2008
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 209 Montana Avenue, Holton, KS 66436
    County: Jackson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $55.9 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $47.0 mil
    Return on assets (ROA): 0.30% ($0.2 mil)
    Quarterly return on assets: -0.87% (-$0.5 mil)
    Return on Equity (ROE): 3.21% ($0.2 mil)
    Quarterly return on equity: -9.21% (-$0.5 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.31% ($173.2 mil)
    Quarterly Pretax return on assets: -0.91% (-$508.4 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
  • 19Total employees (full-time equivalent)
  • $55,872Total assets
  • $2,860Cash and due from depository institutions
  • $1,487Interest-bearing balances
  • $15,909Securities
  • $1,749Federal funds sold & reverse repurchase agreements
  • $32,724Net loans & leases
  • $287Loan loss allowance
  • $0Trading account assets
  • $575Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $55,872Life insurance assets
  • $2,055All other assets
  • $50,736Total liabilities and capital
  • $47,018Total liabilities
  • $43,180Total deposits
  • $47,018Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,075Trading liabilities
  • $0Other borrowed funds
  • $643Subordinated debt
  • $5,136All other liabilities
  • $5,136Total equity capital
  • $5,136Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $1,186Surplus
  • $3,900Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $526Income earned, not collected on loans
  • $0Earning assets
  • $328Long-term assets (5+ years)
  • $51,869Average Assets, year-to-date
  • $19,273Average Assets, quarterly
  • $56,182Volatile liabilities
  • $55,630Insider loans
  • $32,609FHLB advances
  • $55,470Loans and leases held for sale
  • $1,054Unused loan commitments
  • $1,054Tier 1 (core) risk-based capital
  • $5,120Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,316Restructured Loans and leases
  • $7Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,669Total interest income
  • $826Total interest expense
  • $1,843Net interest income
  • $154Provision for loan and lease losses
  • $353Total noninterest income
  • $0Fiduciary activities
  • $208Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $1,816Total noninterest expense
  • $968Salaries and employee benefits
  • $269Premises and equipment expense
  • $579Additional noninterest expense
  • $226Pre-tax net operating income
  • -$52Securities gains (losses)
  • $7Applicable income taxes
  • $167Income before extraordinary items
  • $0Extraordinary gains - net
  • $167Net income attributable to bank
  • $0Net charge-offs
  • $167Cash dividends
  • $178Sale, conversion, retirement of capital stock, net
  • $235Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 1.58%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.31%Pretax return on assets
  • 3.21%Return on equity (ROE)
  • -1.31%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 86.52%Credit loss provision to net charge-offs
  • 2.13%Efficiency ratio
  • 82,696Assets per employee
  • 2.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 140.72%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 54.56%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 1.59%Net loans and leases to deposits
  • 69.60%Net loans and leases to core deposits
  • 77.75%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 15.70%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $56,182Average earning assets
  • $5,206Average equity
  • $52,125Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09605The Farmers State Bank209 Montana Avenue, Holton, KS 66436October 30, 1900Full Service Brick and Mortar
    1233550Circleville Branch205 Lincoln, Circleville, KS 66416May 13, 1991Limited Service Mobile

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