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

The State Bank of Delphos - Overview

  • General
  • FDIC Certificate #: 9660
    Status: Active
    Federal Reserve ID: 634656
    Bank Holding Company (Regulatory Top Holder): Delphos, Inc. (RSSDID: 1020863, Location: Delphos, KS)
    Date Established: January 01, 1880
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6179
    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 01, 1934
    Last Structure Change Effective Date: December 02, 2008
    Last Structure Change Process Date: October 07, 2010
    Last Data Update: October 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 N Main Street, Delphos, KS 67436
    County: Ottawa
    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
    Core Based Statistical Area (CBSA): Salina, KS (#41460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $43.0 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $33.6 mil
    Return on assets (ROA): 1.26% ($0.5 mil)
    Quarterly return on assets: 1.42% ($0.6 mil)
    Return on Equity (ROE): 14.06% ($0.6 mil)
    Quarterly return on equity: 15.13% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.31% ($563.6 mil)
    Quarterly Pretax return on assets: 1.46% ($628.2 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
  • 13Total employees (full-time equivalent)
  • $43,025Total assets
  • $3,160Cash and due from depository institutions
  • $1,963Interest-bearing balances
  • $9,427Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,812Net loans & leases
  • $403Loan loss allowance
  • $0Trading account assets
  • $173Bank premises and fixed assets
  • $30Other real estate owned
  • $0Goodwill and other intangibles
  • $43,025Life insurance assets
  • $1,423All other assets
  • $39,014Total liabilities and capital
  • $33,630Total liabilities
  • $28,568Total deposits
  • $33,630Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 1968.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $416Subordinated debt
  • $4,011All other liabilities
  • $4,011Total equity capital
  • $4,011Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $650Surplus
  • $3,261Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $140Income earned, not collected on loans
  • $0Earning assets
  • $485Long-term assets (5+ years)
  • $40,202Average Assets, year-to-date
  • $8,419Average Assets, quarterly
  • $42,204Volatile liabilities
  • $41,885Insider loans
  • $30,207FHLB advances
  • $41,915Loans and leases held for sale
  • $619Unused loan commitments
  • $619Tier 1 (core) risk-based capital
  • $3,947Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,599Restructured Loans and leases
  • $174Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,041Total interest income
  • $403Total interest expense
  • $1,638Net interest income
  • $0Provision for loan and lease losses
  • $98Total noninterest income
  • $0Fiduciary activities
  • $53Service charges on deposit accounts
  • $0Trading account gains & fees
  • $45Additional noninterest income
  • $1,182Total noninterest expense
  • $678Salaries and employee benefits
  • $154Premises and equipment expense
  • $350Additional noninterest expense
  • $554Pre-tax net operating income
  • $0Securities gains (losses)
  • $21Applicable income taxes
  • $533Income before extraordinary items
  • $0Extraordinary gains - net
  • $533Net income attributable to bank
  • $0Net charge-offs
  • $533Cash dividends
  • $36Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 14.06%Return on equity (ROE)
  • 7.47%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 15.39%Efficiency ratio
  • 68,088Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.90%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 287.86%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 85.67%Net loans and leases to core deposits
  • 88.35%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 9.42%Tier 1 risk-based capital ratio
  • 13.07%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $42,204Average earning assets
  • $3,790Average equity
  • $39,563Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06179The State Bank Of Delphos202 N Main Street, Delphos, KS 67436January 01, 1880Full Service Brick and Mortar
    1220786Minneapolis Branch220 West Second Street, Minneapolis, KS 67467May 31, 1991Full Service Brick and Mortar
    2453042The State Bank Of Delphos - Glasco B201 East Main, Glasco, KS 67445July 18, 2006Limited Service Facility

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