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

The Johnson State Bank - Overview

  • General
  • FDIC Certificate #: 15237
    Status: Active
    Federal Reserve ID: 235950
    Bank Holding Company (Regulatory Top Holder): Johnson State Bancshares, Inc. (RSSDID: 1059724, Location: Johnson, KS)
    Date Established: November 14, 1914
    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 #: 9591
    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: July 19, 1935
    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: 202 South Main St, Johnson, KS 67855
    County: Stanton
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $75.8 mil
    Equity capital: $10.5 mil
    Deposits held in domestic offices: $65.1 mil
    Return on assets (ROA): 0.70% ($0.5 mil)
    Quarterly return on assets: 0.85% ($0.6 mil)
    Return on Equity (ROE): 4.72% ($0.5 mil)
    Quarterly return on equity: 5.81% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.73% ($553.6 mil)
    Quarterly Pretax return on assets: 0.85% ($644.6 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
  • 20Total employees (full-time equivalent)
  • $75,840Total assets
  • $11,060Cash and due from depository institutions
  • $8,729Interest-bearing balances
  • $31,807Securities
  • $4,850Federal funds sold & reverse repurchase agreements
  • $26,268Net loans & leases
  • $717Loan loss allowance
  • $0Trading account assets
  • $997Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $75,840Life insurance assets
  • $858All other assets
  • $65,300Total liabilities and capital
  • $65,128Total liabilities
  • $48,096Total deposits
  • $65,128Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $172Subordinated debt
  • $10,540All other liabilities
  • $10,540Total equity capital
  • $10,540Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $400Surplus
  • $9,840Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $315Income earned, not collected on loans
  • $0Earning assets
  • $590Long-term assets (5+ years)
  • $71,654Average Assets, year-to-date
  • $11,300Average Assets, quarterly
  • $69,668Volatile liabilities
  • $71,805Insider loans
  • $42,953FHLB advances
  • $69,797Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,827Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,568Restructured Loans and leases
  • $94Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,524Total interest income
  • $220Total interest expense
  • $2,304Net interest income
  • $0Provision for loan and lease losses
  • $289Total noninterest income
  • $0Fiduciary activities
  • $193Service charges on deposit accounts
  • $0Trading account gains & fees
  • $96Additional noninterest income
  • $2,090Total noninterest expense
  • $1,261Salaries and employee benefits
  • $166Premises and equipment expense
  • $663Additional noninterest expense
  • $503Pre-tax net operating income
  • $8Securities gains (losses)
  • $21Applicable income taxes
  • $490Income before extraordinary items
  • $0Extraordinary gains - net
  • $490Net income attributable to bank
  • $0Net charge-offs
  • $490Cash dividends
  • -$35Sale, conversion, retirement of capital stock, net
  • $306Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.84%Yield on earning assets
  • 0.33%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 4.72%Return on equity (ROE)
  • 1.77%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,602Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.45%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 227.62%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 1.17%Net loans and leases to deposits
  • 40.33%Net loans and leases to core deposits
  • 40.97%Equity capital to assets
  • 13.90%Core capital (leverage) ratio
  • 14.08%Tier 1 risk-based capital ratio
  • 22.88%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $69,668Average earning assets
  • $10,372Average equity
  • $65,715Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09591The Johnson State Bank202 South Main St, Johnson, KS 67855November 14, 1914Full Service Brick and Mortar
    1233510Ulysses Branch220 East Oklahoma, Ulysses, KS 67880July 18, 1995Full Service Brick and Mortar

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