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

The Kansas State Bank Overbrook Kansas - Overview

  • General
  • FDIC Certificate #: 1865
    Status: Active
    Federal Reserve ID: 582654
    Date Established: January 01, 1889
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13613
    FDIC's unique #: 1241
    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: 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: 400 Maple Street, Overbrook, KS 66524
    County: Osage
    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
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $47.9 mil
    Equity capital: $5.9 mil
    Deposits held in domestic offices: $37.9 mil
    Return on assets (ROA): 0.93% ($0.4 mil)
    Quarterly return on assets: 0.81% ($0.4 mil)
    Return on Equity (ROE): 8.03% ($0.5 mil)
    Quarterly return on equity: 6.67% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.20% ($574.8 mil)
    Quarterly Pretax return on assets: 0.93% ($445.5 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
  • 12Total employees (full-time equivalent)
  • $47,901Total assets
  • $916Cash and due from depository institutions
  • $24Interest-bearing balances
  • $22,539Securities
  • $1,342Federal funds sold & reverse repurchase agreements
  • $21,284Net loans & leases
  • $934Loan loss allowance
  • $0Trading account assets
  • $263Bank premises and fixed assets
  • $652Other real estate owned
  • $0Goodwill and other intangibles
  • $47,901Life insurance assets
  • $905All other assets
  • $42,024Total liabilities and capital
  • $37,878Total liabilities
  • $31,892Total deposits
  • $37,878Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,100Trading liabilities
  • $0Other borrowed funds
  • $46Subordinated debt
  • $5,877All other liabilities
  • $5,877Total equity capital
  • $5,877Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $580Surplus
  • $5,177Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $457Income earned, not collected on loans
  • $0Earning assets
  • $405Long-term assets (5+ years)
  • $45,189Average Assets, year-to-date
  • $18,886Average Assets, quarterly
  • $48,266Volatile liabilities
  • $48,407Insider loans
  • $28,027FHLB advances
  • $48,801Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,417Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,159Restructured Loans and leases
  • $800Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,288Total interest income
  • $554Total interest expense
  • $1,734Net interest income
  • $145Provision for loan and lease losses
  • $143Total noninterest income
  • $0Fiduciary activities
  • $129Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14Additional noninterest income
  • $1,253Total noninterest expense
  • $659Salaries and employee benefits
  • $177Premises and equipment expense
  • $417Additional noninterest expense
  • $479Pre-tax net operating income
  • $98Securities gains (losses)
  • $129Applicable income taxes
  • $448Income before extraordinary items
  • $0Extraordinary gains - net
  • $448Net income attributable to bank
  • $0Net charge-offs
  • $448Cash dividends
  • $185Sale, conversion, retirement of capital stock, net
  • $133Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 8.03%Return on equity (ROE)
  • 5.65%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 78.38%Credit loss provision to net charge-offs
  • 3.37%Efficiency ratio
  • 66,755Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.69%Loss allowance to loans
  • 4.20%Loss allowance to noncurrent loans
  • 204.38%Noncurrent assets plus other real estate owned to assets
  • 2.32%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 56.19%Net loans and leases to core deposits
  • 56.99%Equity capital to assets
  • 12.27%Core capital (leverage) ratio
  • 11.10%Tier 1 risk-based capital ratio
  • 19.33%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $48,266Average earning assets
  • $5,578Average equity
  • $45,313Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01241The Kansas State Bank Overbrook Kans400 Maple Street, Overbrook, KS 66524January 01, 1889Full Service Brick and Mortar
    1190234Scranton Branch321 Brownie Avenue, Scranton, KS 66537November 21, 1988Full Service Brick and Mortar

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