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


  • The Farmers State Bank in Atwood, Kansas (KS)
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The Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 15352
    Status: Active
    Federal Reserve ID: 138752
    Date Established: October 01, 1919
    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 #: 9681
    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: Febuary 11, 1936
    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: 411 Page Street, Atwood, KS 67730
    County: Rawlins
    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: $23.8 mil
    Equity capital: $2.0 mil
    Deposits held in domestic offices: $21.6 mil
    Return on assets (ROA): 0.77% ($0.2 mil)
    Quarterly return on assets: 0.62% ($0.1 mil)
    Return on Equity (ROE): 9.34% ($0.2 mil)
    Quarterly return on equity: 7.29% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.09% ($259.0 mil)
    Quarterly Pretax return on assets: 1.16% ($275.6 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
  • 5Total employees (full-time equivalent)
  • $23,762Total assets
  • $3,210Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,011Securities
  • $3,190Federal funds sold & reverse repurchase agreements
  • $11,861Net loans & leases
  • $246Loan loss allowance
  • $0Trading account assets
  • $53Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,762Life insurance assets
  • $437All other assets
  • $21,712Total liabilities and capital
  • $21,634Total liabilities
  • $19,092Total deposits
  • $21,634Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $78Subordinated debt
  • $2,050All other liabilities
  • $2,050Total equity capital
  • $2,050Total bank equity capital
  • $0Perpetual preferred stock
  • $190Common stock
  • $182Surplus
  • $1,678Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $36Income earned, not collected on loans
  • $0Earning assets
  • $238Long-term assets (5+ years)
  • $20,062Average Assets, year-to-date
  • $901Average Assets, quarterly
  • $23,885Volatile liabilities
  • $23,831Insider loans
  • $13,737FHLB advances
  • $24,228Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,050Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,599Restructured Loans and leases
  • $109Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $873Total interest income
  • $194Total interest expense
  • $679Net interest income
  • $12Provision for loan and lease losses
  • $84Total noninterest income
  • $0Fiduciary activities
  • $78Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6Additional noninterest income
  • $490Total noninterest expense
  • $310Salaries and employee benefits
  • $14Premises and equipment expense
  • $166Additional noninterest expense
  • $261Pre-tax net operating income
  • $0Securities gains (losses)
  • $78Applicable income taxes
  • $183Income before extraordinary items
  • $0Extraordinary gains - net
  • $183Net income attributable to bank
  • $0Net charge-offs
  • $183Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 9.34%Return on equity (ROE)
  • 9.34%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,220Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 683.33%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 54.83%Net loans and leases to core deposits
  • 54.83%Equity capital to assets
  • 8.63%Core capital (leverage) ratio
  • 8.46%Tier 1 risk-based capital ratio
  • 14.92%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $23,885Average earning assets
  • $1,958Average equity
  • $20,433Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09681The Farmers State Bank411 Page Street, Atwood, KS 67730October 01, 1919Full Service Brick and Mortar

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