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

The Lyndon State Bank - Overview

  • General
  • FDIC Certificate #: 12135
    Status: Active
    Federal Reserve ID: 136655
    Bank Holding Company (Regulatory Top Holder): Cmjr Investments, Inc. (RSSDID: 1416617, Location: Lyndon, KS)
    Date Established: August 01, 1901
    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 #: 7711
    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: All Other Specialization < 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: 817 Topeka Avenue, Lyndon, KS 66451
    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: $80.1 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $66.8 mil
    Return on assets (ROA): 0.45% ($0.4 mil)
    Quarterly return on assets: 0.72% ($0.6 mil)
    Return on Equity (ROE): 4.95% ($0.4 mil)
    Quarterly return on equity: 7.65% ($0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.48% ($384.3 mil)
    Quarterly Pretax return on assets: 0.75% ($600.5 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
  • 28Total employees (full-time equivalent)
  • $80,067Total assets
  • $948Cash and due from depository institutions
  • $297Interest-bearing balances
  • $22,972Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,451Net loans & leases
  • $646Loan loss allowance
  • $0Trading account assets
  • $532Bank premises and fixed assets
  • $1,830Other real estate owned
  • $525Goodwill and other intangibles
  • $80,067Life insurance assets
  • $2,809All other assets
  • $72,370Total liabilities and capital
  • $66,781Total liabilities
  • $60,645Total deposits
  • $66,781Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 465.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,701Trading liabilities
  • $0Other borrowed funds
  • $423Subordinated debt
  • $7,697All other liabilities
  • $7,697Total equity capital
  • $7,697Total bank equity capital
  • $0Perpetual preferred stock
  • $204Common stock
  • $2,025Surplus
  • $5,468Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,056Income earned, not collected on loans
  • $0Earning assets
  • $607Long-term assets (5+ years)
  • $73,720Average Assets, year-to-date
  • $32,213Average Assets, quarterly
  • $83,570Volatile liabilities
  • $81,575Insider loans
  • $53,806FHLB advances
  • $81,020Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,172Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,313Restructured Loans and leases
  • $546Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,565Total interest income
  • $1,136Total interest expense
  • $3,429Net interest income
  • $520Provision for loan and lease losses
  • $333Total noninterest income
  • $0Fiduciary activities
  • $169Service charges on deposit accounts
  • $0Trading account gains & fees
  • $164Additional noninterest income
  • $2,840Total noninterest expense
  • $1,652Salaries and employee benefits
  • $302Premises and equipment expense
  • $886Additional noninterest expense
  • $402Pre-tax net operating income
  • $0Securities gains (losses)
  • $28Applicable income taxes
  • $374Income before extraordinary items
  • $0Extraordinary gains - net
  • $374Net income attributable to bank
  • $0Net charge-offs
  • $374Cash dividends
  • $708Sale, conversion, retirement of capital stock, net
  • $113Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.90%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.95%Return on equity (ROE)
  • 3.46%Retained earnings to average equity (YTD only)
  • 1.30%Net charge-offs to loans
  • 73.45%Credit loss provision to net charge-offs
  • 1.30%Efficiency ratio
  • 75,492Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.21%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 31.42%Noncurrent assets plus other real estate owned to assets
  • 4.85%Noncurrent loans to loans
  • 4.02%Net loans and leases to deposits
  • 75.55%Net loans and leases to core deposits
  • 77.34%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 8.85%Tier 1 risk-based capital ratio
  • 13.33%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $83,570Average earning assets
  • $7,554Average equity
  • $77,435Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07711The Lyndon State Bank817 Topeka Avenue, Lyndon, KS 66451August 01, 1901Full Service Brick and Mortar
    1226361Melvern Branch102 South Main Street, Melvern, KS 66510January 25, 1988Full Service Brick and Mortar
    3280117Topeka Branch1535 Southwest Fairlawn Road, Topeka, KS 66604May 01, 1997Full Service Brick and Mortar

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