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


The Farmers State Bank - Overview

  • General
  • FDIC Certificate #: 17632
    Status: Active
    Federal Reserve ID: 976954
    Date Established: January 01, 1921
    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 #: 11600
    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: July 18, 1956
    Last Structure Change Effective Date: June 24, 2010
    Last Structure Change Process Date: July 01, 2010
    Last Data Update: July 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 624 Main Street, Dwight, KS 66849
    County: Morris
    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
    Change in Location
  • Financial Summary
  • Total assets: $15.2 mil
    Equity capital: $1.9 mil
    Deposits held in domestic offices: $13.3 mil
    Return on assets (ROA): 0.15% ($0.0 mil)
    Quarterly return on assets: -1.90% (-$0.3 mil)
    Return on Equity (ROE): 1.20% ($0.0 mil)
    Quarterly return on equity: -15.20% (-$0.3 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.15% ($22.8 mil)
    Quarterly Pretax return on assets: -1.90% (-$289.0 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
  • 6Total employees (full-time equivalent)
  • $15,210Total assets
  • $1,816Cash and due from depository institutions
  • $1,460Interest-bearing balances
  • $5,239Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $7,980Net loans & leases
  • $120Loan loss allowance
  • $0Trading account assets
  • $37Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $15,210Life insurance assets
  • $138All other assets
  • $13,326Total liabilities and capital
  • $13,292Total liabilities
  • $11,352Total deposits
  • $13,292Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $34Subordinated debt
  • $1,884All other liabilities
  • $1,884Total equity capital
  • $1,884Total bank equity capital
  • $0Perpetual preferred stock
  • $25Common stock
  • $175Surplus
  • $1,684Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $182Income earned, not collected on loans
  • $0Earning assets
  • $109Long-term assets (5+ years)
  • $14,679Average Assets, year-to-date
  • $315Average Assets, quarterly
  • $15,668Volatile liabilities
  • $15,398Insider loans
  • $9,011FHLB advances
  • $15,489Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,884Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $728Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $670Total interest income
  • $118Total interest expense
  • $552Net interest income
  • $31Provision for loan and lease losses
  • $17Total noninterest income
  • $0Fiduciary activities
  • $13Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $515Total noninterest expense
  • $380Salaries and employee benefits
  • $30Premises and equipment expense
  • $105Additional noninterest expense
  • $23Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $23Income before extraordinary items
  • $0Extraordinary gains - net
  • $23Net income attributable to bank
  • $0Net charge-offs
  • $23Cash 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)
  • 4.57%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.15%Pretax return on assets
  • 1.20%Return on equity (ROE)
  • 1.20%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
  • 90,510Assets per employee
  • 2.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 65.93%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 60.04%Net loans and leases to core deposits
  • 60.04%Equity capital to assets
  • 12.39%Core capital (leverage) ratio
  • 12.16%Tier 1 risk-based capital ratio
  • 20.91%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $15,668Average earning assets
  • $1,910Average equity
  • $14,650Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011600The Farmers State Bank624 Main Street, Dwight, KS 66849January 01, 1921Full Service Brick and Mortar

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