The St. Marys State Bank in Saint Marys, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The St. Marys State Bank - Overview

  • General
  • FDIC Certificate #: 15312
    Status: Active
    Federal Reserve ID: 315357
    Bank Holding Company (Regulatory Top Holder): Pci Holdings, Inc. (RSSDID: 2192628, Location: Saint Marys, KS)
    Date Established: August 01, 1927
    WWW: http://www.smsb.org
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12473
    FDIC's unique #: 9652
    Numeric code: 13
    Regulator: FED
    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: Commercial Lending Specialization
    Date of Deposit Insurance: December 07, 1935
    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: 905 East Bertrand Avenue, Saint Marys, KS 66536
    County: Pottawatomie
    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
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $82.3 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $64.6 mil
    Return on assets (ROA): 0.51% ($0.4 mil)
    Quarterly return on assets: 0.83% ($0.7 mil)
    Return on Equity (ROE): 5.06% ($0.5 mil)
    Quarterly return on equity: 8.06% ($0.7 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.56% ($461.1 mil)
    Quarterly Pretax return on assets: 0.90% ($741.0 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
  • 24Total employees (full-time equivalent)
  • $82,331Total assets
  • $7,586Cash and due from depository institutions
  • $3,655Interest-bearing balances
  • $19,062Securities
  • $69Federal funds sold & reverse repurchase agreements
  • $51,900Net loans & leases
  • $884Loan loss allowance
  • $0Trading account assets
  • $1,576Bank premises and fixed assets
  • $265Other real estate owned
  • $0Goodwill and other intangibles
  • $82,331Life insurance assets
  • $1,873All other assets
  • $73,776Total liabilities and capital
  • $64,573Total liabilities
  • $52,426Total deposits
  • $64,573Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,993Trading liabilities
  • $0Other borrowed funds
  • $210Subordinated debt
  • $8,555All other liabilities
  • $8,555Total equity capital
  • $8,555Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $850Surplus
  • $6,955Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $415Income earned, not collected on loans
  • $0Earning assets
  • $630Long-term assets (5+ years)
  • $74,686Average Assets, year-to-date
  • $32,815Average Assets, quarterly
  • $80,500Volatile liabilities
  • $82,113Insider loans
  • $59,616FHLB advances
  • $83,898Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,873Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,373Restructured Loans and leases
  • $1,172Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,846Total interest income
  • $1,085Total interest expense
  • $2,761Net interest income
  • $600Provision for loan and lease losses
  • $575Total noninterest income
  • $32Fiduciary activities
  • $261Service charges on deposit accounts
  • $0Trading account gains & fees
  • $282Additional noninterest income
  • $2,290Total noninterest expense
  • $1,357Salaries and employee benefits
  • $206Premises and equipment expense
  • $727Additional noninterest expense
  • $446Pre-tax net operating income
  • $1Securities gains (losses)
  • $36Applicable income taxes
  • $411Income before extraordinary items
  • $0Extraordinary gains - net
  • $411Net income attributable to bank
  • $0Net charge-offs
  • $411Cash dividends
  • $791Sale, conversion, retirement of capital stock, net
  • $154Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 5.06%Return on equity (ROE)
  • 3.17%Retained earnings to average equity (YTD only)
  • 1.47%Net charge-offs to loans
  • 75.85%Credit loss provision to net charge-offs
  • 1.32%Efficiency ratio
  • 68,645Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.47%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 213.01%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 80.37%Net loans and leases to core deposits
  • 84.30%Equity capital to assets
  • 10.39%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 13.21%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $80,500Average earning assets
  • $8,120Average equity
  • $73,327Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,935Managed Assets
  • 1Number of Accounts
  • $4,300Personal trust and agency accounts
  • $4,300Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,635Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,635Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09652The St. Marys State Bank905 East Bertrand Avenue, Saint Marys, KS 66536August 01, 1927Full Service Brick and Mortar
    2233681117 Highway 24 Branch117 Highway 24, Rossville, KS 66533April 14, 1997Full Service Brick and Mortar

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