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

The First State Bank of Ransom - Overview

  • General
  • FDIC Certificate #: 15469
    Status: Active
    Federal Reserve ID: 471057
    Date Established: January 01, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9775
    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: March 04, 1937
    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: 306 S Vermont Ave, Ransom, KS 67572
    County: Ness
    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
    Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $43.7 mil
    Equity capital: $8.7 mil
    Deposits held in domestic offices: $34.7 mil
    Return on assets (ROA): 1.43% ($0.6 mil)
    Quarterly return on assets: 2.41% ($1.1 mil)
    Return on Equity (ROE): 7.26% ($0.7 mil)
    Quarterly return on equity: 12.16% ($1.1 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.71% ($747.5 mil)
    Quarterly Pretax return on assets: 2.46% ($1,075.4 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
  • 7Total employees (full-time equivalent)
  • $43,715Total assets
  • $2,063Cash and due from depository institutions
  • $0Interest-bearing balances
  • $21,777Securities
  • $1,670Federal funds sold & reverse repurchase agreements
  • $16,093Net loans & leases
  • $412Loan loss allowance
  • $0Trading account assets
  • $30Bank premises and fixed assets
  • $405Other real estate owned
  • $0Goodwill and other intangibles
  • $43,715Life insurance assets
  • $1,677All other assets
  • $35,037Total liabilities and capital
  • $34,748Total liabilities
  • $29,106Total deposits
  • $34,748Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $289Subordinated debt
  • $8,678All other liabilities
  • $8,678Total equity capital
  • $8,678Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,000Surplus
  • $7,178Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $317Long-term assets (5+ years)
  • $39,540Average Assets, year-to-date
  • $16,669Average Assets, quarterly
  • $43,037Volatile liabilities
  • $43,785Insider loans
  • $23,519FHLB advances
  • $44,000Loans and leases held for sale
  • $1,266Unused loan commitments
  • $1,266Tier 1 (core) risk-based capital
  • $8,361Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,450Restructured Loans and leases
  • $42Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,557Total interest income
  • $245Total interest expense
  • $1,312Net interest income
  • $0Provision for loan and lease losses
  • $349Total noninterest income
  • $0Fiduciary activities
  • $48Service charges on deposit accounts
  • $0Trading account gains & fees
  • $301Additional noninterest income
  • $926Total noninterest expense
  • $540Salaries and employee benefits
  • $61Premises and equipment expense
  • $325Additional noninterest expense
  • $735Pre-tax net operating income
  • $0Securities gains (losses)
  • $121Applicable income taxes
  • $614Income before extraordinary items
  • $0Extraordinary gains - net
  • $614Net income attributable to bank
  • $0Net charge-offs
  • $614Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.97%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.43%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 7.26%Return on equity (ROE)
  • 4.31%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 81.67%Efficiency ratio
  • 55,750Assets per employee
  • 6.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.72%Loss allowance to loans
  • 2.50%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 46.31%Net loans and leases to core deposits
  • 46.85%Equity capital to assets
  • 19.85%Core capital (leverage) ratio
  • 19.00%Tier 1 risk-based capital ratio
  • 35.55%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $43,037Average earning assets
  • $8,453Average equity
  • $39,186Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09775The First State Bank Of Ransom306 S Vermont Ave, Ransom, KS 67572January 01, 1900Full Service Brick and Mortar
    111649Utica Branch310 North Ohio, Utica, KS 67584October 17, 1903Full Service Brick and Mortar

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