The Fowler State Bank in Fowler, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Fowler State Bank - Overview

  • General
  • FDIC Certificate #: 13450
    Status: Active
    Federal Reserve ID: 843953
    Bank Holding Company (Regulatory Top Holder): Fsb Bankshares, Inc. (RSSDID: 2006471, Location: Fowler, KS)
    Date Established: April 13, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8469
    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: Yes
    Asset Concentration Hierarchy: Agricultural 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: 401 Main Street, Fowler, KS 67844
    County: Meade
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    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: $59.8 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $52.1 mil
    Return on assets (ROA): 0.80% ($0.5 mil)
    Quarterly return on assets: 0.01% ($0.0 mil)
    Return on Equity (ROE): 6.36% ($0.5 mil)
    Quarterly return on equity: 0.10% ($0.0 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.83% ($496.5 mil)
    Quarterly Pretax return on assets: 0.01% ($6.0 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
  • 16Total employees (full-time equivalent)
  • $59,815Total assets
  • $2,557Cash and due from depository institutions
  • $0Interest-bearing balances
  • $23,477Securities
  • $2,080Federal funds sold & reverse repurchase agreements
  • $30,054Net loans & leases
  • $224Loan loss allowance
  • $0Trading account assets
  • $583Bank premises and fixed assets
  • $216Other real estate owned
  • $0Goodwill and other intangibles
  • $59,815Life insurance assets
  • $848All other assets
  • $52,201Total liabilities and capital
  • $52,078Total liabilities
  • $42,252Total deposits
  • $52,078Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $123Subordinated debt
  • $7,614All other liabilities
  • $7,614Total equity capital
  • $7,614Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $300Surplus
  • $7,214Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $74Income earned, not collected on loans
  • $0Earning assets
  • $651Long-term assets (5+ years)
  • $55,611Average Assets, year-to-date
  • $5,647Average Assets, quarterly
  • $59,622Volatile liabilities
  • $58,041Insider loans
  • $35,846FHLB advances
  • $58,883Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,006Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,772Restructured Loans and leases
  • $351Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,399Total interest income
  • $362Total interest expense
  • $2,037Net interest income
  • $113Provision for loan and lease losses
  • $275Total noninterest income
  • $0Fiduciary activities
  • $266Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $1,826Total noninterest expense
  • $1,025Salaries and employee benefits
  • $187Premises and equipment expense
  • $614Additional noninterest expense
  • $373Pre-tax net operating income
  • $121Securities gains (losses)
  • $16Applicable income taxes
  • $478Income before extraordinary items
  • $0Extraordinary gains - net
  • $478Net income attributable to bank
  • $0Net charge-offs
  • $478Cash dividends
  • $338Sale, conversion, retirement of capital stock, net
  • $275Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.30%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 6.36%Return on equity (ROE)
  • 2.70%Retained earnings to average equity (YTD only)
  • 1.19%Net charge-offs to loans
  • 33.43%Credit loss provision to net charge-offs
  • 1.44%Efficiency ratio
  • 78,979Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.53%Loss allowance to loans
  • 0.74%Loss allowance to noncurrent loans
  • 302.70%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 57.71%Net loans and leases to core deposits
  • 58.37%Equity capital to assets
  • 12.73%Core capital (leverage) ratio
  • 11.90%Tier 1 risk-based capital ratio
  • 19.54%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $59,622Average earning assets
  • $7,511Average equity
  • $55,730Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08469The Fowler State Bank401 Main Street, Fowler, KS 67844April 13, 1906Full Service Brick and Mortar
    1229661Meade Branch115 East West Plains Street, Meade, KS 67864October 21, 1991Full Service Brick and Mortar
    2493363Cimarron State Bank Branch906 East Avenue A, Cimarron, KS 67835April 09, 2009Full Service Retail

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