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
    WWW: http://www.troystatebank.com
    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

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