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

The State Bank of Bern - Overview

  • General
  • FDIC Certificate #: 10919
    Status: Active
    Federal Reserve ID: 1013650
    Bank Holding Company (Regulatory Top Holder): Bern Bancshares, Inc. (RSSDID: 1065190, Location: Bern, KS)
    Date Established: May 04, 1889
    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 #: 6992
    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: 402 Main St, Bern, KS 66408
    County: Nemaha
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $72.9 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $61.9 mil
    Return on assets (ROA): 1.50% ($1.1 mil)
    Quarterly return on assets: 1.43% ($1.0 mil)
    Return on Equity (ROE): 11.70% ($1.2 mil)
    Quarterly return on equity: 10.43% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.80% ($1,312.9 mil)
    Quarterly Pretax return on assets: 1.46% ($1,064.9 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
  • 12Total employees (full-time equivalent)
  • $72,938Total assets
  • $3,285Cash and due from depository institutions
  • $2,356Interest-bearing balances
  • $33,068Securities
  • $16Federal funds sold & reverse repurchase agreements
  • $35,077Net loans & leases
  • $404Loan loss allowance
  • $0Trading account assets
  • $93Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $72,937Life insurance assets
  • $1,399All other assets
  • $63,154Total liabilities and capital
  • $61,907Total liabilities
  • $51,966Total deposits
  • $61,907Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $468Trading liabilities
  • $0Other borrowed funds
  • $779Subordinated debt
  • $9,783All other liabilities
  • $9,783Total equity capital
  • $9,783Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $570Surplus
  • $9,113Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $205Income earned, not collected on loans
  • $0Earning assets
  • $976Long-term assets (5+ years)
  • $70,517Average Assets, year-to-date
  • $24,609Average Assets, quarterly
  • $68,291Volatile liabilities
  • $70,571Insider loans
  • $50,454FHLB advances
  • $71,217Loans and leases held for sale
  • $157Unused loan commitments
  • $157Tier 1 (core) risk-based capital
  • $8,922Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,288Restructured Loans and leases
  • $182Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,188Total interest income
  • $695Total interest expense
  • $2,493Net interest income
  • $0Provision for loan and lease losses
  • $91Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $1,347Total noninterest expense
  • $867Salaries and employee benefits
  • $59Premises and equipment expense
  • $421Additional noninterest expense
  • $1,237Pre-tax net operating income
  • -$11Securities gains (losses)
  • $202Applicable income taxes
  • $1,024Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,024Net income attributable to bank
  • $0Net charge-offs
  • $1,024Cash dividends
  • $26Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 2.05%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.80%Pretax return on assets
  • 11.70%Return on equity (ROE)
  • 9.98%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 47.58%Efficiency ratio
  • 52,128Assets per employee
  • 6.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.65%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 197.07%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 56.66%Net loans and leases to core deposits
  • 59.85%Equity capital to assets
  • 13.41%Core capital (leverage) ratio
  • 12.53%Tier 1 risk-based capital ratio
  • 17.68%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $68,291Average earning assets
  • $8,755Average equity
  • $65,818Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06992The State Bank Of Bern402 Main St, Bern, KS 66408May 04, 1889Full Service Brick and Mortar
    1425257Axtell Branch413 Maple Street, Axtell, KS 66403Febuary 13, 2004Full Service Brick and Mortar

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