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

The Farmers State Bank of Oakley, Kansas - Overview

  • General
  • FDIC Certificate #: 1867
    Status: Active
    Federal Reserve ID: 278256
    Bank Holding Company (Regulatory Top Holder): Security Bancshares, Inc. (RSSDID: 1248836, Location: Scott City, KS)
    Date Established: March 17, 1907
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13340
    FDIC's unique #: 1243
    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: January 01, 1934
    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: 100 Center Avenue, Oakley, KS 67748
    County: Logan
    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: $106.5 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $84.2 mil
    Return on assets (ROA): 1.01% ($1.1 mil)
    Quarterly return on assets: 0.90% ($1.0 mil)
    Return on Equity (ROE): 7.59% ($1.1 mil)
    Quarterly return on equity: 6.59% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.36% ($1,448.3 mil)
    Quarterly Pretax return on assets: 1.19% ($1,267.3 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
  • 17Total employees (full-time equivalent)
  • $106,496Total assets
  • $3,172Cash and due from depository institutions
  • $477Interest-bearing balances
  • $50,187Securities
  • $6,000Federal funds sold & reverse repurchase agreements
  • $43,844Net loans & leases
  • $798Loan loss allowance
  • $0Trading account assets
  • $331Bank premises and fixed assets
  • $397Other real estate owned
  • $0Goodwill and other intangibles
  • $106,496Life insurance assets
  • $2,565All other assets
  • $92,164Total liabilities and capital
  • $84,230Total liabilities
  • $71,388Total deposits
  • $84,230Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 2849.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,313Trading liabilities
  • $0Other borrowed funds
  • $772Subordinated debt
  • $14,332All other liabilities
  • $14,332Total equity capital
  • $14,332Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,000Surplus
  • $13,132Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $79Income earned, not collected on loans
  • $0Earning assets
  • $792Long-term assets (5+ years)
  • $100,508Average Assets, year-to-date
  • $44,239Average Assets, quarterly
  • $102,243Volatile liabilities
  • $104,274Insider loans
  • $60,031FHLB advances
  • $103,727Loans and leases held for sale
  • $1,084Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,297Tier 2 risk-based capital
  • $1,084Total risk weighted assets
  • $0Total unused commitments
  • $9,577Restructured Loans and leases
  • $924Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,104Total interest income
  • $1,056Total interest expense
  • $3,048Net interest income
  • $0Provision for loan and lease losses
  • $314Total noninterest income
  • $0Fiduciary activities
  • $173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $141Additional noninterest income
  • $1,908Total noninterest expense
  • $1,084Salaries and employee benefits
  • $203Premises and equipment expense
  • $621Additional noninterest expense
  • $1,454Pre-tax net operating income
  • -$68Securities gains (losses)
  • $358Applicable income taxes
  • $1,028Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,028Net income attributable to bank
  • $0Net charge-offs
  • $1,028Cash dividends
  • -$82Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 7.59%Return on equity (ROE)
  • 7.59%Retained earnings to average equity (YTD only)
  • -0.19%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,752Assets per employee
  • 6.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 1010.13%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 52.05%Net loans and leases to core deposits
  • 57.66%Equity capital to assets
  • 13.46%Core capital (leverage) ratio
  • 12.82%Tier 1 risk-based capital ratio
  • 22.15%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $102,243Average earning assets
  • $13,538Average equity
  • $95,778Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01243The Farmers State Bank Of Oakley, Kansas100 Center Avenue, Oakley, KS 67748March 17, 1907Full Service Brick and Mortar

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