The Nekoma State Bank in La Crosse, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Nekoma State Bank - Overview

  • General
  • FDIC Certificate #: 13603
    Status: Active
    Federal Reserve ID: 331553
    Bank Holding Company (Regulatory Top Holder): Nsb Bancshares, Inc. (RSSDID: 1250585, Location: La Crosse, KS)
    Date Established: September 18, 1916
    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 #: 8508
    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: 801 Main Street, La Crosse, KS 67548
    County: Rush
    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: $36.8 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $32.2 mil
    Return on assets (ROA): 0.84% ($0.3 mil)
    Quarterly return on assets: 0.39% ($0.1 mil)
    Return on Equity (ROE): 9.02% ($0.4 mil)
    Quarterly return on equity: 4.02% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.94% ($346.3 mil)
    Quarterly Pretax return on assets: 0.39% ($143.7 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
  • 11Total employees (full-time equivalent)
  • $36,840Total assets
  • $636Cash and due from depository institutions
  • $0Interest-bearing balances
  • $22,537Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $12,000Net loans & leases
  • $344Loan loss allowance
  • $0Trading account assets
  • $312Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $36,840Life insurance assets
  • $1,355All other assets
  • $33,332Total liabilities and capital
  • $32,213Total liabilities
  • $21,769Total deposits
  • $32,213Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 665.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $454Subordinated debt
  • $3,508All other liabilities
  • $3,508Total equity capital
  • $3,508Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $700Surplus
  • $2,408Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $336Long-term assets (5+ years)
  • $34,537Average Assets, year-to-date
  • $14,340Average Assets, quarterly
  • $35,650Volatile liabilities
  • $36,330Insider loans
  • $15,450FHLB advances
  • $37,295Loans and leases held for sale
  • $758Unused loan commitments
  • $375Tier 1 (core) risk-based capital
  • $3,088Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $383Total unused commitments
  • $2,399Restructured Loans and leases
  • $446Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,335Total interest income
  • $128Total interest expense
  • $1,207Net interest income
  • $0Provision for loan and lease losses
  • $123Total noninterest income
  • $0Fiduciary activities
  • $71Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52Additional noninterest income
  • $1,058Total noninterest expense
  • $606Salaries and employee benefits
  • $92Premises and equipment expense
  • $360Additional noninterest expense
  • $272Pre-tax net operating income
  • $63Securities gains (losses)
  • $35Applicable income taxes
  • $300Income before extraordinary items
  • $0Extraordinary gains - net
  • $300Net income attributable to bank
  • $0Net charge-offs
  • $300Cash dividends
  • -$122Sale, conversion, retirement of capital stock, net
  • $106Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 9.02%Return on equity (ROE)
  • 5.84%Retained earnings to average equity (YTD only)
  • -0.99%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,549Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.33%Loss allowance to loans
  • 2.79%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 37.25%Net loans and leases to core deposits
  • 37.25%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 8.28%Tier 1 risk-based capital ratio
  • 19.99%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $35,650Average earning assets
  • $3,325Average equity
  • $33,491Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08508The Nekoma State Bank801 Main Street, La Crosse, KS 67548September 18, 1916Full Service Brick and Mortar
    1359781Burdett Branch105 Elm, Burdett, KS 67523Febuary 21, 2001Full Service Brick and Mortar

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