The State Bank of Kansas in Fredonia, Kansas (KS)

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The State Bank of Kansas routing number info

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The State Bank of Kansas
GeneralFDIC Certificate #: 10508
Status: Active
Federal Reserve ID: 985554
Bank Holding Company (Regulatory Top Holder): Fredonia State Bankshares, Inc. (RSSDID: 2501202, Location: Fredonia, KS)
Date Established: January 01, 1885
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 6727
Numeric code: 21
Regulator: FDIC
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: 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
LocationAddress: 501 Madison Street, Fredonia, KS 66736
County: Wilson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Wichita
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $68.6 mil
Equity capital: $9.8 mil
Deposits held in domestic offices: $57.5 mil
Return on assets (ROA): 1.92% ($1.3 mil)
Quarterly return on assets: 2.11% ($1.5 mil)
Return on Equity (ROE): 14.42% ($1.4 mil)
Quarterly return on equity: 15.29% ($1.5 mil)
Net income: $1.4 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 2.00% ($1,371.8 mil)
Quarterly Pretax return on assets: 2.20% ($1,508.9 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)
Total employees (full-time equivalent)10
Total assets$68,588
Cash and due from depository institutions$11,505
Interest-bearing balances$10,219
Federal funds sold & reverse repurchase agreements$214
Net loans & leases$46,224
Loan loss allowance $744
Trading account assets$0
Bank premises and fixed assets$662
Other real estate owned$0
Goodwill and other intangibles$799
All other assets$2,588
Life insurance assets$68,588
Total liabilities and capital$58,838
Total liabilities$57,504
Total deposits$48,875
Interest-bearing deposits$57,504
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,000
Other borrowed funds $0
Subordinated debt $334
All other liabilities $9,750
Total equity capital$9,750
Total bank equity capital$9,750
Perpetual preferred stock$0
Common stock$200
Undivided profits $2,772
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $66
Earning assets $0
Long-term assets (5+ years) $287
Average Assets, year-to-date $63,253
Average Assets, quarterly $4,221
Volatile liabilities $71,922
Insider loans $70,143
FHLB advances $49,995
Loans and leases held for sale $70,392
Unused loan commitments $1,876
Tier 1 (core) risk-based capital $1,876
Tier 2 risk-based capital $8,874
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,791
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,071
Total interest expense $592
Net interest income $2,479
Provision for loan and lease losses $0
Total noninterest income $210
Fiduciary activities $0
Service charges on deposit accounts $98
Trading account gains & fees $0
Additional noninterest income $112
Total noninterest expense $1,250
Salaries and employee benefits $733
Premises and equipment expense $118
Additional noninterest expense $399
Pre-tax net operating income $1,439
Securities gains (losses) $0
Applicable income taxes $55
Income before extraordinary items $1,384
Extraordinary gains - net $0
Net income attributable to bank $1,384
Net charge-offs $0
Cash dividends $1,384
Sale, conversion, retirement of capital stock, net $0
Net operating income $1,151
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.59%
Cost of funding earning assets 0.88%
Net interest margin 3.70%
Noninterest income to earning assets 0.31%
Noninterest expense to earning assets 1.87%
Net operating income to assets 1.92%
Return on assets (ROA) 1.92%
Pretax return on assets 2.00%
Return on equity (ROE) 14.42%
Retained earnings to average equity (YTD only) 2.43%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$46,486
Cash dividends to net income (YTD only)6.86%
Condition Ratios (%)
Loss allowance to loans 83.16%
Loss allowance to noncurrent loans 1.58%
Noncurrent assets plus other real estate owned to assets 1127.27%
Noncurrent loans to loans 0.10%
Net loans and leases to deposits0.14%
Net loans and leases to core deposits 80.38%
Equity capital to assets 87.44%
Core capital (leverage) ratio 14.22%
Tier 1 risk-based capital ratio 12.61%
Total risk-based capital ratio 17.75%
Average assets$19
Average earning assets$71,922
Average equity $9,600
Average loans $66,955
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06727The State Bank Of Kansas501 Madison Street, Fredonia, KS 66736January 01, 1885Full Service Brick and Mortar
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