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

The Stockgrowers State Bank of Ashland, Kansas - Overview

  • General
  • FDIC Certificate #: 17650
    Status: Active
    Federal Reserve ID: 424156
    Bank Holding Company (Regulatory Top Holder): Stockgrowers State Bank Employee Stock Ownership Plan (RSSDID: 3343070, Location: Ashland, KS)
    Date Established: June 23, 1885
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11615
    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: August 23, 1956
    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: 622 Main Street, Ashland, KS 67831
    County: Clark
    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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $116.8 mil
    Equity capital: $15.5 mil
    Deposits held in domestic offices: $100.2 mil
    Return on assets (ROA): 0.77% ($0.9 mil)
    Quarterly return on assets: 0.94% ($1.1 mil)
    Return on Equity (ROE): 5.93% ($0.9 mil)
    Quarterly return on equity: 7.01% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.81% ($946.5 mil)
    Quarterly Pretax return on assets: 0.98% ($1,145.1 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
  • 28Total employees (full-time equivalent)
  • $116,850Total assets
  • $6,520Cash and due from depository institutions
  • $4,056Interest-bearing balances
  • $41,111Securities
  • $85Federal funds sold & reverse repurchase agreements
  • $64,594Net loans & leases
  • $1,029Loan loss allowance
  • $0Trading account assets
  • $874Bank premises and fixed assets
  • $390Other real estate owned
  • $340Goodwill and other intangibles
  • $116,850Life insurance assets
  • $2,936All other assets
  • $101,307Total liabilities and capital
  • $100,153Total liabilities
  • $86,419Total deposits
  • $100,153Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $925Trading liabilities
  • $0Other borrowed funds
  • $229Subordinated debt
  • $15,543All other liabilities
  • $15,543Total equity capital
  • $15,543Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $2,800Surplus
  • $12,343Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $236Income earned, not collected on loans
  • $0Earning assets
  • $1,097Long-term assets (5+ years)
  • $109,846Average Assets, year-to-date
  • $19,451Average Assets, quarterly
  • $115,072Volatile liabilities
  • $116,114Insider loans
  • $76,506FHLB advances
  • $118,764Loans and leases held for sale
  • $998Unused loan commitments
  • $998Tier 1 (core) risk-based capital
  • $14,342Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,067Restructured Loans and leases
  • $2,421Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,593Total interest income
  • $826Total interest expense
  • $3,767Net interest income
  • $100Provision for loan and lease losses
  • $290Total noninterest income
  • $0Fiduciary activities
  • $192Service charges on deposit accounts
  • $0Trading account gains & fees
  • $98Additional noninterest income
  • $3,025Total noninterest expense
  • $1,970Salaries and employee benefits
  • $365Premises and equipment expense
  • $690Additional noninterest expense
  • $932Pre-tax net operating income
  • $0Securities gains (losses)
  • $42Applicable income taxes
  • $890Income before extraordinary items
  • $0Extraordinary gains - net
  • $890Net income attributable to bank
  • $0Net charge-offs
  • $890Cash dividends
  • $112Sale, conversion, retirement of capital stock, net
  • $370Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 5.93%Return on equity (ROE)
  • 3.47%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 89.29%Credit loss provision to net charge-offs
  • 9.21%Efficiency ratio
  • 74,562Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.57%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 436.02%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 64.50%Net loans and leases to core deposits
  • 67.95%Equity capital to assets
  • 13.30%Core capital (leverage) ratio
  • 12.08%Tier 1 risk-based capital ratio
  • 18.75%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $115,072Average earning assets
  • $15,006Average equity
  • $107,897Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011615The Stockgrowers State Bank Of Ashland, Kansas622 Main Street, Ashland, KS 67831June 23, 1885Full Service Brick and Mortar
    13149Meade Branch203 North Fowler, Meade, KS 67864January 01, 1904Full Service Brick and Mortar

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