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

The Riley State Bank of Riley, Kansas - Overview

  • General
  • FDIC Certificate #: 16120
    Status: Active
    Federal Reserve ID: 532752
    Bank Holding Company (Regulatory Top Holder): Riley County Bancshares, Inc. (RSSDID: 1247389, Location: Riley, KS)
    Date Established: November 19, 1943
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 52257
    FDIC's unique #: 10336
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 27, 1944
    Last Structure Change Effective Date: July 01, 2010
    Last Structure Change Process Date: July 02, 2010
    Last Data Update: July 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 S Broadway Street, Riley, KS 66531
    County: Riley
    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): Manhattan, KS (#31740)
    CBSA Metro Statistical Area: Manhattan, KS (#31740)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $74.7 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $58.9 mil
    Return on assets (ROA): 1.03% ($0.8 mil)
    Quarterly return on assets: 0.83% ($0.6 mil)
    Return on Equity (ROE): 10.91% ($0.8 mil)
    Quarterly return on equity: 8.73% ($0.6 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.07% ($799.7 mil)
    Quarterly Pretax return on assets: 0.86% ($642.7 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
  • 20Total employees (full-time equivalent)
  • $74,737Total assets
  • $3,507Cash and due from depository institutions
  • $1,394Interest-bearing balances
  • $16,403Securities
  • $11Federal funds sold & reverse repurchase agreements
  • $51,234Net loans & leases
  • $821Loan loss allowance
  • $0Trading account assets
  • $1,892Bank premises and fixed assets
  • $125Other real estate owned
  • $164Goodwill and other intangibles
  • $74,737Life insurance assets
  • $1,401All other assets
  • $67,768Total liabilities and capital
  • $58,862Total liabilities
  • $52,295Total deposits
  • $58,862Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,625Trading liabilities
  • $0Other borrowed funds
  • $281Subordinated debt
  • $6,969All other liabilities
  • $6,969Total equity capital
  • $6,969Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $2,927Surplus
  • $3,892Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10Income earned, not collected on loans
  • $0Earning assets
  • $703Long-term assets (5+ years)
  • $69,042Average Assets, year-to-date
  • $19,700Average Assets, quarterly
  • $72,953Volatile liabilities
  • $74,053Insider loans
  • $55,123FHLB advances
  • $73,389Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,643Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,472Restructured Loans and leases
  • $57Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,488Total interest income
  • $915Total interest expense
  • $2,573Net interest income
  • $140Provision for loan and lease losses
  • $383Total noninterest income
  • $0Fiduciary activities
  • $271Service charges on deposit accounts
  • $0Trading account gains & fees
  • $112Additional noninterest income
  • $2,036Total noninterest expense
  • $1,250Salaries and employee benefits
  • $300Premises and equipment expense
  • $486Additional noninterest expense
  • $780Pre-tax net operating income
  • $0Securities gains (losses)
  • $26Applicable income taxes
  • $754Income before extraordinary items
  • $0Extraordinary gains - net
  • $754Net income attributable to bank
  • $0Net charge-offs
  • $754Cash dividends
  • -$6Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 10.91%Return on equity (ROE)
  • 3.68%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -2333.33%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,877Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.31%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 8210.00%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 87.04%Net loans and leases to core deposits
  • 94.58%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 12.05%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $72,953Average earning assets
  • $6,909Average equity
  • $67,122Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010336The Riley State Bank Of Riley, Kansas201 S Broadway Street, Riley, KS 66531November 19, 1943Full Service Brick and Mortar
    1499507Riley State Bank106 S. Erpelding, Leonardville, KS 66449December 11, 2009Full Service Brick and Mortar
    21247Fmsb-Riley Branch711 Elm Street, Wakefield, KS 67487January 01, 1908Full Service Brick and Mortar
    3190240Longford Branch316 Weda Street, Longford, KS 67458January 05, 1988Full Service Brick and Mortar

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