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

This bank is inactive as of July 11, 2009

The State Bank of Lebo in Lebo, Kansas (KS)
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The State Bank of Lebo - Overview

General
FDIC Certificate #: 15288
Status: Inactive
Closing history: Absorption - Without Assistance
Acquiring institution: The Farmers State Bank of Aliceville, Kansas (#18120)
Federal Reserve ID: 37350
Date Established: January 16, 1932
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 9631
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: October 05, 1935
Last Structure Change Effective Date: July 11, 2009
Last Structure Change Process Date: July 22, 2009
Last Data Update: July 22, 2009
Data Source Date: April 05, 2012
Location
Address: Main Street, Lebo, KS 66856
County: Coffey
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
Financial Summary
Total assets: $19.2 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, 2008)

Dollar figures in thousands
11Total employees (full-time equivalent)
$23,249Total assets
$1,665Cash and due from depository institutions
$1,198Interest-bearing balances
$2,344Securities
$4,300Federal funds sold & reverse repurchase agreements
$14,084Net loans & leases
$492Loan loss allowance
$0Trading account assets
$100Bank premises and fixed assets
$50Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$706All other assets
$23,249Total liabilities and capital
$21,989Total liabilities
$19,850Total deposits
$16,766Interest-bearing deposits
$19,850Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,108Other borrowed funds
$0Subordinated debt
$31All other liabilities
$1,260Total equity capital
$1,260Total bank equity capital
$1,260Perpetual preferred stock
$0Common stock
$120Surplus
$1,503Undivided profits
Memoranda
$-363Noncurrent loans and leases
$1,930Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,165Earning assets
$0Long-term assets (5+ years)
$173Average Assets, year-to-date
$21,926Average Assets, quarterly
$2,900Volatile liabilities
$26,018Insider loans
$23,478FHLB advances
$6,625Loans and leases held for sale
$61Unused loan commitments
$2,108Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,930Total unused commitments
$0Restructured Loans and leases
$191Derivatives

Income and Expense (December 31, 2008)

Dollar figures in thousands
$1,531Total interest income
$845Total interest expense
$686Net interest income
$707Provision for loan and lease losses
$39Total noninterest income
$0Fiduciary activities
$30Service charges on deposit accounts
$0Trading account gains & fees
$9Additional noninterest income
$1,046Total noninterest expense
$565Salaries and employee benefits
$44Premises and equipment expense
$437Additional noninterest expense
-$1,028Pre-tax net operating income
$0Securities gains (losses)
$1Applicable income taxes
-$1,029Income before extraordinary items
$0Extraordinary gains - net
-$1,029Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$444Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2008)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.27%Yield on earning assets
3.46%Cost of funding earning assets
2.81%Net interest margin
0.16%Noninterest income to earning assets
4.28%Noninterest expense to earning assets
-3.95%Net operating income to assets
-3.95%Return on assets (ROA)
-3.95%Pretax return on assets
-63.07%Return on equity (ROE)
-63.07%Retained earnings to average equity (YTD only)
2.32%Net charge-offs to loans
159.23%Credit loss provision to net charge-offs
-0.72%Efficiency ratio
144,276Assets per employee
2.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.38%Loss allowance to noncurrent loans
22.73%Noncurrent assets plus other real estate owned to assets
9.53%Noncurrent loans to loans
14.85%Net loans and leases to deposits
70.95%Net loans and leases to core deposits
106.50%Equity capital to assets
5.42%Core capital (leverage) ratio
5.15%Tier 1 risk-based capital ratio
8.10%Total risk-based capital ratio
Memoranda
$9Average assets
$26,018Average earning assets
$1,631Average equity
$24,416Average loans

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