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

This bank is inactive as of October 23, 1999

  • The First State Bank of Leoti in Leoti, Kansas (KS)
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The First State Bank of Leoti - Overview

  • General
  • FDIC Certificate #: 17601
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Western State Bank (#21121)
    Federal Reserve ID: 112051
    Date Established: Febuary 01, 1892
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 11573
    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: May 18, 1956
    Last Structure Change Effective Date: October 23, 1999
    Last Structure Change Process Date: November 09, 1999
    Last Data Update: November 09, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: Second And Broadway, Leoti, KS 67861
    County: Wichita
    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: $59.5 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $61,185Total assets
  • $2,272Cash and due from depository institutions
  • $0Interest-bearing balances
  • $10,800Securities
  • $10,700Federal funds sold & reverse repurchase agreements
  • $35,060Net loans & leases
  • $662Loan loss allowance
  • $0Trading account assets
  • $1,145Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,208All other assets
  • $61,185Total liabilities and capital
  • $55,162Total liabilities
  • $54,649Total deposits
  • $45,702Interest-bearing deposits
  • $54,649Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $513All other liabilities
  • $6,023Total equity capital
  • $6,023Total bank equity capital
  • $6,023Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $600Undivided profits
  • Memoranda
  • $5,273Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $258Earning assets
  • $0Long-term assets (5+ years)
  • $1,002Average Assets, year-to-date
  • $56,560Average Assets, quarterly
  • $1,163Volatile liabilities
  • $58,552Insider loans
  • $59,927FHLB advances
  • $4,501Loans and leases held for sale
  • $1,395Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,757Total unused commitments
  • $0Restructured Loans and leases
  • $39,910Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $4,698Total interest income
  • $2,054Total interest expense
  • $2,644Net interest income
  • $0Provision for loan and lease losses
  • $225Total noninterest income
  • $0Fiduciary activities
  • $151Service charges on deposit accounts
  • $0Trading account gains & fees
  • $74Additional noninterest income
  • $1,480Total noninterest expense
  • $758Salaries and employee benefits
  • $141Premises and equipment expense
  • $581Additional noninterest expense
  • $1,389Pre-tax net operating income
  • $0Securities gains (losses)
  • $458Applicable income taxes
  • $931Income before extraordinary items
  • $0Extraordinary gains - net
  • $931Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $53Sale, conversion, retirement of capital stock, net
  • $601Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.77%Yield on earning assets
  • 3.83%Cost of funding earning assets
  • 4.94%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 2.37%Pretax return on assets
  • 15.81%Return on equity (ROE)
  • 5.60%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 26.21%Efficiency ratio
  • 51,586Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.55%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 256.59%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 64.15%Net loans and leases to core deposits
  • 69.91%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 9.59%Tier 1 risk-based capital ratio
  • 14.95%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $58,552Average earning assets
  • $5,889Average equity
  • $53,575Average loans

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