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

The First State Bank of Kansas City, Kansas - Overview

  • General
  • FDIC Certificate #: 12426
    Status: Active
    Federal Reserve ID: 252658
    Bank Holding Company (Regulatory Top Holder): First Bancshares, Inc. (RSSDID: 1056451, Location: Kansas City, KS)
    Date Established: July 01, 1901
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11997
    FDIC's unique #: 7909
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: 650 Kansas Avenue, Kansas City, KS 66105
    County: Wyandotte
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $74.6 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $64.0 mil
    Return on assets (ROA): -0.16% (-$0.1 mil)
    Quarterly return on assets: -0.98% (-$0.7 mil)
    Return on Equity (ROE): -1.49% (-$0.1 mil)
    Quarterly return on equity: -9.07% (-$0.7 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.14% (-$104.5 mil)
    Quarterly Pretax return on assets: -0.97% (-$723.9 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, 2011)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $74,630Total assets
  • $5,012Cash and due from depository institutions
  • $3,082Interest-bearing balances
  • $14,085Securities
  • $2,232Federal funds sold & reverse repurchase agreements
  • $49,681Net loans & leases
  • $834Loan loss allowance
  • $0Trading account assets
  • $854Bank premises and fixed assets
  • $356Other real estate owned
  • $0Goodwill and other intangibles
  • $74,630Life insurance assets
  • $2,410All other assets
  • $66,658Total liabilities and capital
  • $64,017Total liabilities
  • $47,655Total deposits
  • $64,017Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 2432.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $209Subordinated debt
  • $7,972All other liabilities
  • $7,972Total equity capital
  • $7,972Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $4,800Surplus
  • $2,722Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,134Income earned, not collected on loans
  • $0Earning assets
  • $268Long-term assets (5+ years)
  • $69,080Average Assets, year-to-date
  • $8,520Average Assets, quarterly
  • $76,801Volatile liabilities
  • $76,050Insider loans
  • $45,328FHLB advances
  • $76,169Loans and leases held for sale
  • $1,264Unused loan commitments
  • $1,264Tier 1 (core) risk-based capital
  • $7,670Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,013Restructured Loans and leases
  • $129Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,541Total interest income
  • $630Total interest expense
  • $2,911Net interest income
  • $822Provision for loan and lease losses
  • $584Total noninterest income
  • $0Fiduciary activities
  • $359Service charges on deposit accounts
  • $0Trading account gains & fees
  • $225Additional noninterest income
  • $2,805Total noninterest expense
  • $1,430Salaries and employee benefits
  • $306Premises and equipment expense
  • $1,069Additional noninterest expense
  • -$132Pre-tax net operating income
  • $25Securities gains (losses)
  • $16Applicable income taxes
  • -$123Income before extraordinary items
  • $0Extraordinary gains - net
  • -$123Net income attributable to bank
  • $0Net charge-offs
  • -$123Cash dividends
  • $952Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • -0.19%Net operating income to assets
  • -0.16%Return on assets (ROA)
  • -0.14%Pretax return on assets
  • -1.49%Return on equity (ROE)
  • -1.49%Retained earnings to average equity (YTD only)
  • 1.91%Net charge-offs to loans
  • 86.34%Credit loss provision to net charge-offs
  • 0.72%Efficiency ratio
  • 80,258Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 73.54%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 2.24%Net loans and leases to deposits
  • 77.61%Net loans and leases to core deposits
  • 86.62%Equity capital to assets
  • 10.68%Core capital (leverage) ratio
  • 10.07%Tier 1 risk-based capital ratio
  • 16.92%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $76,801Average earning assets
  • $8,260Average equity
  • $70,058Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07909The First State Bank Of Kansas City, Kansas650 Kansas Avenue, Kansas City, KS 66105July 01, 1901Full Service Brick and Mortar
    1433208Parkway Center10314 Shawnee Mission Parkway, Shawnee, KS 66203December 01, 2004Full Service Brick and Mortar

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