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

This bank is inactive as of June 27, 2003

  • The Farmers and Merchants State Bank in Macksville, Kansas (KS)
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The Farmers and Merchants State Bank - Overview

  • General
  • FDIC Certificate #: 18051
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American State Bank & Trust Company (#57144)
    Federal Reserve ID: 145255
    Date Established: November 07, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 11976
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 16, 1959
    Last Structure Change Effective Date: June 27, 2003
    Last Structure Change Process Date: July 30, 2003
    Last Data Update: July 30, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 234 North Main Street, Macksville, KS 67557
    County: Stafford
    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
  • Financial Summary
  • Total assets: $31.9 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, 2002)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $31,854Total assets
  • $993Cash and due from depository institutions
  • $337Interest-bearing balances
  • $10,326Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $19,049Net loans & leases
  • $318Loan loss allowance
  • $0Trading account assets
  • $395Bank premises and fixed assets
  • $36Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,055All other assets
  • $31,854Total liabilities and capital
  • $29,015Total liabilities
  • $21,439Total deposits
  • $19,217Interest-bearing deposits
  • $21,439Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $375Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,019Other borrowed funds
  • $0Subordinated debt
  • $182All other liabilities
  • $2,839Total equity capital
  • $2,839Total bank equity capital
  • $2,839Perpetual preferred stock
  • $0Common stock
  • $110Surplus
  • $966Undivided profits
  • Memoranda
  • $1,763Noncurrent loans and leases
  • $3,764Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $487Average Assets, year-to-date
  • $29,712Average Assets, quarterly
  • $4,411Volatile liabilities
  • $30,905Insider loans
  • $32,170FHLB advances
  • $8,227Loans and leases held for sale
  • $324Unused loan commitments
  • $7,019Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,764Total unused commitments
  • $38Restructured Loans and leases
  • $290Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $2,028Total interest income
  • $812Total interest expense
  • $1,216Net interest income
  • $10Provision for loan and lease losses
  • $140Total noninterest income
  • $0Fiduciary activities
  • $116Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $830Total noninterest expense
  • $490Salaries and employee benefits
  • $78Premises and equipment expense
  • $262Additional noninterest expense
  • $516Pre-tax net operating income
  • $0Securities gains (losses)
  • $30Applicable income taxes
  • $486Income before extraordinary items
  • $0Extraordinary gains - net
  • $486Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $75Sale, conversion, retirement of capital stock, net
  • $246Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.04%Yield on earning assets
  • 2.82%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 1.57%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 17.85%Return on equity (ROE)
  • 8.82%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 13.33%Credit loss provision to net charge-offs
  • 7.01%Efficiency ratio
  • 61,209Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.62%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 88.85%Net loans and leases to core deposits
  • 118.05%Equity capital to assets
  • 8.91%Core capital (leverage) ratio
  • 8.19%Tier 1 risk-based capital ratio
  • 11.48%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $30,905Average earning assets
  • $2,722Average equity
  • $28,797Average loans

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