The First State Bank & Trust Co. of Larned in Larned, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First State Bank & Trust Co. of Larned - Overview

  • General
  • FDIC Certificate #: 15899
    Status: Active
    Federal Reserve ID: 9955
    Bank Holding Company (Regulatory Top Holder): First State Financial Corporation (RSSDID: 1062425, Location: Larned, KS)
    Date Established: January 01, 1896
    WWW: http://www.bankkansas.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14147
    FDIC's unique #: 10131
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 26, 1942
    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: 116 West Sixth Street, Larned, KS 67550
    County: Pawnee
    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: $108.9 mil
    Equity capital: $13.1 mil
    Deposits held in domestic offices: $92.5 mil
    Return on assets (ROA): 1.31% ($1.4 mil)
    Quarterly return on assets: 1.68% ($1.8 mil)
    Return on Equity (ROE): 11.07% ($1.4 mil)
    Quarterly return on equity: 13.85% ($1.8 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.36% ($1,481.0 mil)
    Quarterly Pretax return on assets: 1.75% ($1,905.6 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
  • 28Total employees (full-time equivalent)
  • $108,894Total assets
  • $14,871Cash and due from depository institutions
  • $12,217Interest-bearing balances
  • $30,119Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $59,863Net loans & leases
  • $1,349Loan loss allowance
  • $0Trading account assets
  • $1,499Bank premises and fixed assets
  • $0Other real estate owned
  • $205Goodwill and other intangibles
  • $108,894Life insurance assets
  • $2,337All other assets
  • $95,756Total liabilities and capital
  • $92,458Total liabilities
  • $73,975Total deposits
  • $92,458Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,212Trading liabilities
  • $0Other borrowed funds
  • $86Subordinated debt
  • $13,138All other liabilities
  • $13,138Total equity capital
  • $13,138Total bank equity capital
  • $0Perpetual preferred stock
  • $110Common stock
  • $3,023Surplus
  • $10,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $231Income earned, not collected on loans
  • $0Earning assets
  • $1,011Long-term assets (5+ years)
  • $102,199Average Assets, year-to-date
  • $11,679Average Assets, quarterly
  • $106,874Volatile liabilities
  • $107,682Insider loans
  • $73,775FHLB advances
  • $107,239Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,508Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,244Restructured Loans and leases
  • $2,715Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,463Total interest income
  • $391Total interest expense
  • $4,072Net interest income
  • $277Provision for loan and lease losses
  • $807Total noninterest income
  • $117Fiduciary activities
  • $543Service charges on deposit accounts
  • $0Trading account gains & fees
  • $147Additional noninterest income
  • $3,151Total noninterest expense
  • $1,623Salaries and employee benefits
  • $426Premises and equipment expense
  • $1,102Additional noninterest expense
  • $1,451Pre-tax net operating income
  • $0Securities gains (losses)
  • $49Applicable income taxes
  • $1,402Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,402Net income attributable to bank
  • $0Net charge-offs
  • $1,402Cash dividends
  • $64Sale, conversion, retirement of capital stock, net
  • $650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.39%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 11.07%Return on equity (ROE)
  • 5.94%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 432.81%Credit loss provision to net charge-offs
  • 27.00%Efficiency ratio
  • 60,094Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.36%Loss allowance to loans
  • 2.20%Loss allowance to noncurrent loans
  • 583.98%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 64.75%Net loans and leases to core deposits
  • 69.08%Equity capital to assets
  • 12.06%Core capital (leverage) ratio
  • 11.66%Tier 1 risk-based capital ratio
  • 16.95%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $106,874Average earning assets
  • $12,663Average equity
  • $99,406Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $14,029Managed Assets
  • 1Number of Accounts
  • $14,029Personal trust and agency accounts
  • $9,092Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $4,937Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 27Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010131The First State Bank & Trust Co. Of116 West Sixth Street, Larned, KS 67550January 01, 1896Full Service Brick and Mortar
    111062Pratt Branch906 East First, Pratt, KS 67124January 01, 1934Full Service Brick and Mortar
    2239889Iuka Branch200 North Main, Iuka, KS 67066November 28, 1989Limited Service Facility
    3465425Overland Park Banking Center Branch7206 College Blvd, Overland Park, KS 66210April 23, 2007Full Service Brick and Mortar

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