The Saline Valley Bank in Lincoln, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1995

  • The Saline Valley Bank in Lincoln, Kansas (KS)
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The Saline Valley Bank - Overview

  • General
  • FDIC Certificate #: 17031
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Bank of Tescott (#1868)
    Federal Reserve ID: 117850
    Date Established: September 01, 1881
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 11095
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 23, 1951
    Last Structure Change Effective Date: August 01, 1995
    Last Structure Change Process Date: September 19, 1995
    Last Data Update: September 19, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 East Lincoln Avenue, Lincoln, KS 67455
    County: Lincoln
    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
  • Financial Summary
  • Total assets: $30.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $14Total assets
  • $30,804Cash and due from depository institutions
  • $734Interest-bearing balances
  • $0Securities
  • $18,636Federal funds sold & reverse repurchase agreements
  • $700Net loans & leases
  • $9,915Loan loss allowance
  • $345Trading account assets
  • $0Bank premises and fixed assets
  • $25Other real estate owned
  • $0Goodwill and other intangibles
  • $691Life insurance assets
  • $103All other assets
  • $0Total liabilities and capital
  • $30,804Total liabilities
  • $28,040Total deposits
  • $27,650Interest-bearing deposits
  • $25,694Deposits held in domestic offices
  • 27650.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $300Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $90Total equity capital
  • $90Total bank equity capital
  • $2,764Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $250Undivided profits
  • Memoranda
  • $2,314Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17Income earned, not collected on loans
  • $206Earning assets
  • $29,251Long-term assets (5+ years)
  • $3,035Average Assets, year-to-date
  • $32,599Average Assets, quarterly
  • $31,077Volatile liabilities
  • $700Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,721Total risk weighted assets
  • $12,136Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,112Total interest expense
  • $967Net interest income
  • $1,145Provision for loan and lease losses
  • $60Total noninterest income
  • $59Fiduciary activities
  • $0Service charges on deposit accounts
  • $15Trading account gains & fees
  • $0Additional noninterest income
  • $44Total noninterest expense
  • $769Salaries and employee benefits
  • $477Premises and equipment expense
  • $49Additional noninterest expense
  • $243Pre-tax net operating income
  • $375Securities gains (losses)
  • -$23Applicable income taxes
  • $121Income before extraordinary items
  • $231Extraordinary gains - net
  • $0Net income attributable to bank
  • $231Net charge-offs
  • -$25Cash dividends
  • $160Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.80%Cost of funding earning assets
  • 3.11%Net interest margin
  • 3.68%Noninterest income to earning assets
  • 0.19%Noninterest expense to earning assets
  • 2.47%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 1.08%Return on equity (ROE)
  • 8.11%Retained earnings to average equity (YTD only)
  • 2.49%Net charge-offs to loans
  • -0.26%Credit loss provision to net charge-offs
  • -240.00%Efficiency ratio
  • 62,957Assets per employee
  • 2.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.26%Loss allowance to loans
  • 3.36%Loss allowance to noncurrent loans
  • 2029.41%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 35.86%Net loans and leases to core deposits
  • 36.39%Equity capital to assets
  • 8.97%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 22.42%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $32,599Average earning assets
  • $2,850Average equity
  • $31,072Average loans

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