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

The Lyons State Bank - Overview

  • General
  • FDIC Certificate #: 15604
    Status: Active
    Federal Reserve ID: 142656
    Bank Holding Company (Regulatory Top Holder): Coronado Financial Corporation (RSSDID: 2948236, Location: Lyons, KS)
    Date Established: May 21, 1938
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9889
    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: May 21, 1938
    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: 101 East Main Street, Lyons, KS 67554
    County: Rice
    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
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $95.3 mil
    Equity capital: $8.9 mil
    Deposits held in domestic offices: $80.8 mil
    Return on assets (ROA): 2.16% ($2.1 mil)
    Quarterly return on assets: -0.47% (-$0.4 mil)
    Return on Equity (ROE): 24.72% ($2.2 mil)
    Quarterly return on equity: -4.44% (-$0.4 mil)
    Net income: $2.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 3.09% ($2,944.7 mil)
    Quarterly Pretax return on assets: -0.71% (-$676.6 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
  • 25Total employees (full-time equivalent)
  • $95,299Total assets
  • $12,715Cash and due from depository institutions
  • $10,690Interest-bearing balances
  • $19,061Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $59,842Net loans & leases
  • $1,426Loan loss allowance
  • $0Trading account assets
  • $927Bank premises and fixed assets
  • $25Other real estate owned
  • $68Goodwill and other intangibles
  • $95,299Life insurance assets
  • $2,661All other assets
  • $86,380Total liabilities and capital
  • $80,755Total liabilities
  • $71,327Total deposits
  • $80,755Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,378Trading liabilities
  • $0Other borrowed funds
  • $247Subordinated debt
  • $8,919All other liabilities
  • $8,919Total equity capital
  • $8,919Total bank equity capital
  • $0Perpetual preferred stock
  • $609Common stock
  • $681Surplus
  • $7,629Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,620Income earned, not collected on loans
  • $0Earning assets
  • $980Long-term assets (5+ years)
  • $89,593Average Assets, year-to-date
  • $31,951Average Assets, quarterly
  • $102,157Volatile liabilities
  • $91,915Insider loans
  • $68,123FHLB advances
  • $89,710Loans and leases held for sale
  • $773Unused loan commitments
  • $773Tier 1 (core) risk-based capital
  • $8,737Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,497Restructured Loans and leases
  • $674Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,727Total interest income
  • $1,045Total interest expense
  • $3,682Net interest income
  • $350Provision for loan and lease losses
  • $2,441Total noninterest income
  • $0Fiduciary activities
  • $215Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,226Additional noninterest income
  • $3,170Total noninterest expense
  • $1,780Salaries and employee benefits
  • $376Premises and equipment expense
  • $1,014Additional noninterest expense
  • $2,603Pre-tax net operating income
  • $558Securities gains (losses)
  • $959Applicable income taxes
  • $2,202Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,202Net income attributable to bank
  • $0Net charge-offs
  • $2,202Cash dividends
  • $272Sale, conversion, retirement of capital stock, net
  • $1,300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.83%Net interest margin
  • 2.54%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 1.77%Net operating income to assets
  • 2.16%Return on assets (ROA)
  • 3.09%Pretax return on assets
  • 24.72%Return on equity (ROE)
  • 10.13%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 128.68%Credit loss provision to net charge-offs
  • 10.86%Efficiency ratio
  • 51,772Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.04%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 88.02%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 74.10%Net loans and leases to core deposits
  • 76.89%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 9.74%Tier 1 risk-based capital ratio
  • 12.83%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $102,157Average earning assets
  • $8,908Average equity
  • $96,249Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $6,647Managed Assets
  • 1Number of Accounts
  • $6,647Personal trust and agency accounts
  • $1,057Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,590Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 14Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09889The Lyons State Bank101 East Main Street, Lyons, KS 67554May 21, 1938Full Service Brick and Mortar
    1234654Drive-In Branch118 North Grand Avenue, Lyons, KS 67554November 01, 1961Limited Service Facility
    210899Little River State Bank Branch310 Main Street, Little River, KS 67457April 30, 1949Full Service Brick and Mortar

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