The Lyon County State Bank in Emporia, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Lyon County State Bank - Overview

  • General
  • FDIC Certificate #: 14952
    Status: Active
    Federal Reserve ID: 796657
    Bank Holding Company (Regulatory Top Holder): Ottawa Bancshares, Inc. (RSSDID: 1056769, Location: Salina, KS)
    Date Established: June 27, 1913
    WWW: http://www.lyoncountystatebank.com
    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 #: 9366
    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: December 28, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 902 Merchant Street, Emporia, KS 66801
    County: Lyon
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Emporia, KS (#21380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $84.7 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $73.2 mil
    Return on assets (ROA): 0.73% ($0.6 mil)
    Quarterly return on assets: 0.56% ($0.5 mil)
    Return on Equity (ROE): 7.47% ($0.6 mil)
    Quarterly return on equity: 5.58% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.77% ($652.1 mil)
    Quarterly Pretax return on assets: 0.59% ($499.7 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)
  • $84,690Total assets
  • $6,934Cash and due from depository institutions
  • $5,006Interest-bearing balances
  • $48,409Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,419Net loans & leases
  • $467Loan loss allowance
  • $0Trading account assets
  • $2,096Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $84,690Life insurance assets
  • $832All other assets
  • $76,468Total liabilities and capital
  • $73,170Total liabilities
  • $51,364Total deposits
  • $73,170Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 3139.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $159Subordinated debt
  • $8,222All other liabilities
  • $8,222Total equity capital
  • $8,222Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $800Surplus
  • $6,622Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $34Income earned, not collected on loans
  • $0Earning assets
  • $334Long-term assets (5+ years)
  • $79,834Average Assets, year-to-date
  • $45,056Average Assets, quarterly
  • $80,351Volatile liabilities
  • $82,521Insider loans
  • $35,489FHLB advances
  • $80,584Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,576Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,076Restructured Loans and leases
  • $1,969Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,943Total interest income
  • $274Total interest expense
  • $2,669Net interest income
  • $0Provision for loan and lease losses
  • $1,217Total noninterest income
  • $0Fiduciary activities
  • $667Service charges on deposit accounts
  • $0Trading account gains & fees
  • $550Additional noninterest income
  • $3,271Total noninterest expense
  • $1,451Salaries and employee benefits
  • $488Premises and equipment expense
  • $1,332Additional noninterest expense
  • $615Pre-tax net operating income
  • $0Securities gains (losses)
  • $25Applicable income taxes
  • $590Income before extraordinary items
  • $0Extraordinary gains - net
  • $590Net income attributable to bank
  • $0Net charge-offs
  • $590Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.91%Yield on earning assets
  • 0.36%Cost of funding earning assets
  • 3.55%Net interest margin
  • 1.62%Noninterest income to earning assets
  • 4.35%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 7.47%Return on equity (ROE)
  • 6.20%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 18.09%Efficiency ratio
  • 84,174Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.95%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 1373.53%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 36.11%Net loans and leases to core deposits
  • 38.95%Equity capital to assets
  • 9.71%Core capital (leverage) ratio
  • 9.40%Tier 1 risk-based capital ratio
  • 21.35%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $80,351Average earning assets
  • $7,901Average equity
  • $75,200Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09366The Lyon County State Bank902 Merchant Street, Emporia, KS 66801June 27, 1913Full Service Brick and Mortar
    2232556Suburban Branch1202 Industrial Road, Emporia, KS 66801June 11, 1979Full Service Brick and Mortar

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