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

The Lorraine State Bank - Overview

  • General
  • FDIC Certificate #: 17395
    Status: Active
    Federal Reserve ID: 125958
    Bank Holding Company (Regulatory Top Holder): Ellco Bancshares, Inc. (RSSDID: 1062797, Location: Lorraine, KS)
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11393
    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: Febuary 03, 1955
    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: 233 Main St, Lorraine, KS 67459
    County: Ellsworth
    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: $23.0 mil
    Equity capital: $2.4 mil
    Deposits held in domestic offices: $20.4 mil
    Return on assets (ROA): 1.08% ($0.2 mil)
    Quarterly return on assets: 0.55% ($0.1 mil)
    Return on Equity (ROE): 10.63% ($0.2 mil)
    Quarterly return on equity: 5.15% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.51% ($347.6 mil)
    Quarterly Pretax return on assets: 0.53% ($122.0 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
  • 6Total employees (full-time equivalent)
  • $23,021Total assets
  • $1,315Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,451Securities
  • $242Federal funds sold & reverse repurchase agreements
  • $15,637Net loans & leases
  • $130Loan loss allowance
  • $0Trading account assets
  • $32Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,021Life insurance assets
  • $344All other assets
  • $20,597Total liabilities and capital
  • $20,405Total liabilities
  • $16,765Total deposits
  • $20,405Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $192Subordinated debt
  • $2,424All other liabilities
  • $2,424Total equity capital
  • $2,424Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $100Surplus
  • $2,274Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $106Income earned, not collected on loans
  • $0Earning assets
  • $314Long-term assets (5+ years)
  • $21,330Average Assets, year-to-date
  • $9,181Average Assets, quarterly
  • $22,429Volatile liabilities
  • $22,672Insider loans
  • $17,260FHLB advances
  • $22,083Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,338Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,300Restructured Loans and leases
  • $272Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,023Total interest income
  • $170Total interest expense
  • $853Net interest income
  • $56Provision for loan and lease losses
  • $26Total noninterest income
  • $0Fiduciary activities
  • $15Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11Additional noninterest income
  • $494Total noninterest expense
  • $297Salaries and employee benefits
  • $18Premises and equipment expense
  • $179Additional noninterest expense
  • $329Pre-tax net operating income
  • $9Securities gains (losses)
  • $95Applicable income taxes
  • $243Income before extraordinary items
  • $0Extraordinary gains - net
  • $243Net income attributable to bank
  • $0Net charge-offs
  • $243Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 10.63%Return on equity (ROE)
  • 10.63%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 180.65%Credit loss provision to net charge-offs
  • 12.42%Efficiency ratio
  • 56,200Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.82%Loss allowance to noncurrent loans
  • 122.64%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 76.63%Net loans and leases to core deposits
  • 77.63%Equity capital to assets
  • 10.53%Core capital (leverage) ratio
  • 10.59%Tier 1 risk-based capital ratio
  • 13.55%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $22,429Average earning assets
  • $2,286Average equity
  • $21,243Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011393The Lorraine State Bank233 Main St, Lorraine, KS 67459January 01, 1907Full Service Brick and Mortar

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