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



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Table of contents:
The State Bank of Oskaloosa
GeneralFDIC Certificate #: 16205
Status: Active
Federal Reserve ID: 335757
Date Established: August 01, 1887
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 #: 10406
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: August 03, 1944
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: 518 Liberty Street, Oskaloosa, KS 66066
County: Jefferson
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
Core Based Statistical Area (CBSA): Topeka, KS (#45820)
CBSA Metro Statistical Area: Topeka, KS (#45820)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $28.7 mil
Equity capital: $2.4 mil
Deposits held in domestic offices: $26.2 mil
Return on assets (ROA): 0.07% ($0.0 mil)
Quarterly return on assets: 0.18% ($0.1 mil)
Return on Equity (ROE): 0.83% ($0.0 mil)
Quarterly return on equity: 2.17% ($0.0 mil)
Net income: $0.0 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.07% ($20.1 mil)
Quarterly Pretax return on assets: 0.18% ($51.6 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$28,657
Cash and due from depository institutions$17,824
Interest-bearing balances$17,457
Securities$2,500
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$7,748
Loan loss allowance $90
Trading account assets$0
Bank premises and fixed assets$367
Other real estate owned$102
Goodwill and other intangibles$0
All other assets$116
Life insurance assets$28,657
Total liabilities and capital$26,259
Total liabilities$26,236
Total deposits$19,522
Interest-bearing deposits$26,236
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $23
All other liabilities $2,398
Total equity capital$2,398
Total bank equity capital$2,398
Perpetual preferred stock$0
Common stock$600
Surplus$600
Undivided profits $1,198
Memoranda
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 $0
Earning assets $0
Long-term assets (5+ years) $53
Average Assets, year-to-date $27,705
Average Assets, quarterly $4,181
Volatile liabilities $30,045
Insider loans $28,807
FHLB advances $9,339
Loans and leases held for sale $29,862
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,398
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $61
Derivatives$425
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $722
Total interest expense $123
Net interest income $599
Provision for loan and lease losses $0
Total noninterest income $240
Fiduciary activities $0
Service charges on deposit accounts $203
Trading account gains & fees $0
Additional noninterest income $37
Total noninterest expense $819
Salaries and employee benefits $494
Premises and equipment expense $89
Additional noninterest expense $236
Pre-tax net operating income $20
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $20
Extraordinary gains - net $0
Net income attributable to bank $20
Net charge-offs $0
Cash dividends $20
Sale, conversion, retirement of capital stock, net -$6
Net operating income $48
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets2.48%
Cost of funding earning assets 0.42%
Net interest margin 2.06%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 2.81%
Net operating income to assets 0.07%
Return on assets (ROA) 0.07%
Pretax return on assets 0.07%
Return on equity (ROE) 0.83%
Retained earnings to average equity (YTD only) -1.16%
Net charge-offs to loans -0.07%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$97,616
Cash dividends to net income (YTD only)2.87%
Condition Ratios (%)
Loss allowance to loans 240.00%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.36%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 29.53%
Equity capital to assets 29.92%
Core capital (leverage) ratio 8.37%
Tier 1 risk-based capital ratio 8.03%
Total risk-based capital ratio 25.68%
Memoranda
Average assets$27
Average earning assets$30,045
Average equity $2,414
Average loans $29,114
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010406The State Bank Of Oskaloosa518 Liberty Street, Oskaloosa, KS 66066August 01, 1887Full Service Brick and Mortar
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