The State Exchange Bank in Mankato, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The State Exchange Bank - Overview

  • General
  • FDIC Certificate #: 17375
    Status: Active
    Federal Reserve ID: 571957
    Date Established: November 01, 1887
    WWW: http://www.stateexchange.net
    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 #: 11378
    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: December 16, 1954
    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
  • Location
  • Address: 107 South Commercial Street, Mankato, KS 66956
    County: Jewell
    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
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $36.1 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $31.1 mil
    Return on assets (ROA): 1.40% ($0.5 mil)
    Quarterly return on assets: 1.08% ($0.4 mil)
    Return on Equity (ROE): 14.94% ($0.4 mil)
    Quarterly return on equity: 10.79% ($0.3 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.47% ($530.9 mil)
    Quarterly Pretax return on assets: 1.17% ($422.6 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
  • 8Total employees (full-time equivalent)
  • $36,117Total assets
  • $3,635Cash and due from depository institutions
  • $3,009Interest-bearing balances
  • $15,630Securities
  • $91Federal funds sold & reverse repurchase agreements
  • $15,609Net loans & leases
  • $301Loan loss allowance
  • $0Trading account assets
  • $44Bank premises and fixed assets
  • $260Other real estate owned
  • $0Goodwill and other intangibles
  • $36,116Life insurance assets
  • $848All other assets
  • $32,639Total liabilities and capital
  • $31,070Total liabilities
  • $25,123Total deposits
  • $31,070Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $69Subordinated debt
  • $3,477All other liabilities
  • $3,477Total equity capital
  • $3,477Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $200Surplus
  • $3,177Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $132Income earned, not collected on loans
  • $0Earning assets
  • $481Long-term assets (5+ years)
  • $34,339Average Assets, year-to-date
  • $12,356Average Assets, quarterly
  • $33,516Volatile liabilities
  • $34,300Insider loans
  • $19,416FHLB advances
  • $34,740Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,230Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,606Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,544Total interest income
  • $308Total interest expense
  • $1,236Net interest income
  • $0Provision for loan and lease losses
  • $72Total noninterest income
  • $0Fiduciary activities
  • $60Service charges on deposit accounts
  • $0Trading account gains & fees
  • $12Additional noninterest income
  • $843Total noninterest expense
  • $476Salaries and employee benefits
  • $52Premises and equipment expense
  • $315Additional noninterest expense
  • $465Pre-tax net operating income
  • $27Securities gains (losses)
  • $22Applicable income taxes
  • $470Income before extraordinary items
  • $0Extraordinary gains - net
  • $470Net income attributable to bank
  • $0Net charge-offs
  • $470Cash dividends
  • -$17Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 2.66%Noninterest expense to earning assets
  • 1.32%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 14.94%Return on equity (ROE)
  • 14.94%Retained earnings to average equity (YTD only)
  • -0.10%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,450Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 228.03%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 50.24%Net loans and leases to core deposits
  • 50.66%Equity capital to assets
  • 9.63%Core capital (leverage) ratio
  • 9.30%Tier 1 risk-based capital ratio
  • 16.64%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $33,516Average earning assets
  • $3,146Average equity
  • $31,674Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011378The State Exchange Bank107 South Commercial Street, Mankato, KS 66956November 01, 1887Full Service Brick and Mortar

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