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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