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

The Troy State Bank - Overview

  • General
  • FDIC Certificate #: 15353
    Status: Active
    Federal Reserve ID: 427456
    Bank Holding Company (Regulatory Top Holder): G & R, Inc. (RSSDID: 1051728, Location: Troy, KS)
    Date Established: January 01, 1906
    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 #: 9682
    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: Febuary 11, 1936
    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: 121 South Main Street, Troy, KS 66087
    County: Doniphan
    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): St. Joseph, MO-KS (#41140)
    CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $28.1 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $24.6 mil
    Return on assets (ROA): 0.25% ($0.1 mil)
    Quarterly return on assets: -1.33% (-$0.4 mil)
    Return on Equity (ROE): 2.56% ($0.1 mil)
    Quarterly return on equity: -13.78% (-$0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.45% ($126.6 mil)
    Quarterly Pretax return on assets: -0.67% (-$188.5 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
  • 7Total employees (full-time equivalent)
  • $28,131Total assets
  • $1,239Cash and due from depository institutions
  • $7Interest-bearing balances
  • $10,800Securities
  • $2,252Federal funds sold & reverse repurchase agreements
  • $13,153Net loans & leases
  • $290Loan loss allowance
  • $0Trading account assets
  • $79Bank premises and fixed assets
  • $38Other real estate owned
  • $0Goodwill and other intangibles
  • $28,131Life insurance assets
  • $570All other assets
  • $25,523Total liabilities and capital
  • $24,593Total liabilities
  • $21,340Total deposits
  • $24,593Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $826Trading liabilities
  • $0Other borrowed funds
  • $104Subordinated debt
  • $2,608All other liabilities
  • $2,608Total equity capital
  • $2,608Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $150Surplus
  • $2,308Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $347Income earned, not collected on loans
  • $0Earning assets
  • $259Long-term assets (5+ years)
  • $26,212Average Assets, year-to-date
  • $3,745Average Assets, quarterly
  • $26,681Volatile liabilities
  • $27,429Insider loans
  • $13,967FHLB advances
  • $26,437Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,394Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,566Restructured Loans and leases
  • $202Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,161Total interest income
  • $314Total interest expense
  • $847Net interest income
  • $111Provision for loan and lease losses
  • $89Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $719Total noninterest expense
  • $392Salaries and employee benefits
  • $118Premises and equipment expense
  • $209Additional noninterest expense
  • $106Pre-tax net operating income
  • $13Securities gains (losses)
  • $52Applicable income taxes
  • $67Income before extraordinary items
  • $0Extraordinary gains - net
  • $67Net income attributable to bank
  • $0Net charge-offs
  • $67Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $85Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.37%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 0.22%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 2.56%Return on equity (ROE)
  • -0.69%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 317.14%Credit loss provision to net charge-offs
  • 6.20%Efficiency ratio
  • 76,816Assets per employee
  • 4.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 126.87%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 83.57%Noncurrent assets plus other real estate owned to assets
  • 1.37%Noncurrent loans to loans
  • 2.58%Net loans and leases to deposits
  • 53.48%Net loans and leases to core deposits
  • 53.48%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 17.14%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $26,681Average earning assets
  • $2,614Average equity
  • $25,114Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09682The Troy State Bank121 South Main Street, Troy, KS 66087January 01, 1906Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Troy State Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents