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

The Kansas State Bank - Overview

  • General
  • FDIC Certificate #: 10505
    Status: Active
    Federal Reserve ID: 287959
    Bank Holding Company (Regulatory Top Holder): Ottawa Bancshares, Inc. (RSSDID: 1056769, Location: Salina, KS)
    Date Established: November 20, 1917
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 52172
    FDIC's unique #: 6724
    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: Other Specialized Lending < 1 Billion
    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: 236 North Main Street, Ottawa, KS 66067
    County: Franklin
    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
    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: $116.0 mil
    Equity capital: $11.4 mil
    Deposits held in domestic offices: $102.7 mil
    Return on assets (ROA): 0.74% ($0.9 mil)
    Quarterly return on assets: 0.21% ($0.2 mil)
    Return on Equity (ROE): 7.06% ($0.8 mil)
    Quarterly return on equity: 1.98% ($0.2 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.78% ($904.7 mil)
    Quarterly Pretax return on assets: 0.23% ($266.8 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
  • 29Total employees (full-time equivalent)
  • $115,993Total assets
  • $34,870Cash and due from depository institutions
  • $32,177Interest-bearing balances
  • $55,830Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $22,527Net loans & leases
  • $548Loan loss allowance
  • $0Trading account assets
  • $1,717Bank premises and fixed assets
  • $33Other real estate owned
  • $0Goodwill and other intangibles
  • $115,993Life insurance assets
  • $1,016All other assets
  • $104,614Total liabilities and capital
  • $102,650Total liabilities
  • $90,040Total deposits
  • $102,650Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 1823.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $141Subordinated debt
  • $11,379All other liabilities
  • $11,379Total equity capital
  • $11,379Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $9,379Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $498Income earned, not collected on loans
  • $0Earning assets
  • $429Long-term assets (5+ years)
  • $110,534Average Assets, year-to-date
  • $34,911Average Assets, quarterly
  • $103,827Volatile liabilities
  • $106,581Insider loans
  • $37,561FHLB advances
  • $104,441Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,643Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,013Restructured Loans and leases
  • $1,483Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,890Total interest income
  • $516Total interest expense
  • $2,374Net interest income
  • -$184Provision for loan and lease losses
  • $1,044Total noninterest income
  • $0Fiduciary activities
  • $539Service charges on deposit accounts
  • $0Trading account gains & fees
  • $505Additional noninterest income
  • $2,793Total noninterest expense
  • $1,344Salaries and employee benefits
  • $237Premises and equipment expense
  • $1,212Additional noninterest expense
  • $809Pre-tax net operating income
  • $0Securities gains (losses)
  • $40Applicable income taxes
  • $769Income before extraordinary items
  • $0Extraordinary gains - net
  • $769Net income attributable to bank
  • $0Net charge-offs
  • $769Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.95%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 2.42%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 7.06%Return on equity (ROE)
  • 6.14%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • -1415.38%Credit loss provision to net charge-offs
  • 48.08%Efficiency ratio
  • 81,714Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.00%Loss allowance to loans
  • 2.37%Loss allowance to noncurrent loans
  • 110.04%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 2.16%Net loans and leases to deposits
  • 21.95%Net loans and leases to core deposits
  • 22.15%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 10.19%Tier 1 risk-based capital ratio
  • 28.34%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $103,827Average earning assets
  • $10,895Average equity
  • $98,026Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06724The Kansas State Bank236 North Main Street, Ottawa, KS 66067November 20, 1917Full Service Brick and Mortar
    1222460Detached Facility1314 South Main Street, Ottawa, KS 66067Febuary 22, 1978Limited Service Facility
    2222461Baldwin City Branch602 Ames, Baldwin City, KS 66006August 28, 1995Full Service Brick and Mortar

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