The Union State Bank in Arkansas City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Union State Bank - Overview

  • General
  • FDIC Certificate #: 1869
    Status: Active
    Federal Reserve ID: 227151
    Bank Holding Company (Regulatory Top Holder): Docking Bancshares, Inc. (RSSDID: 3094121, Location: Arkansas City, KS)
    Date Established: December 30, 1908
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12710
    FDIC's unique #: 1245
    Numeric code: 13
    Regulator: FED
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 01, 2006
    Last Structure Change Process Date: October 25, 2006
    Last Data Update: October 25, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 127 South Summit Street, Arkansas City, KS 67005
    County: Cowley
    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
    Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
    Core Based Statistical Area (CBSA): Winfield, KS (#49060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $230.9 mil
    Equity capital: $32.9 mil
    Deposits held in domestic offices: $183.5 mil
    Return on assets (ROA): 1.37% ($3.2 mil)
    Quarterly return on assets: 1.11% ($2.6 mil)
    Return on Equity (ROE): 9.92% ($3.3 mil)
    Quarterly return on equity: 7.84% ($2.6 mil)
    Net income: $3.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.42% ($3,278.7 mil)
    Quarterly Pretax return on assets: 1.20% ($2,770.7 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
  • 67Total employees (full-time equivalent)
  • $230,891Total assets
  • $10,404Cash and due from depository institutions
  • $7,530Interest-bearing balances
  • $104,828Securities
  • $5Federal funds sold & reverse repurchase agreements
  • $93,832Net loans & leases
  • $3,124Loan loss allowance
  • $0Trading account assets
  • $4,323Bank premises and fixed assets
  • $402Other real estate owned
  • $9,915Goodwill and other intangibles
  • $230,891Life insurance assets
  • $7,182All other assets
  • $197,979Total liabilities and capital
  • $183,532Total liabilities
  • $156,329Total deposits
  • $183,532Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 10020.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,054Trading liabilities
  • $0Other borrowed funds
  • $1,373Subordinated debt
  • $32,912All other liabilities
  • $32,912Total equity capital
  • $32,912Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $20,124Surplus
  • $12,588Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $92Income earned, not collected on loans
  • $0Earning assets
  • $1,035Long-term assets (5+ years)
  • $206,195Average Assets, year-to-date
  • $82,371Average Assets, quarterly
  • $228,415Volatile liabilities
  • $232,138Insider loans
  • $133,955FHLB advances
  • $222,512Loans and leases held for sale
  • $3,878Unused loan commitments
  • $3,610Tier 1 (core) risk-based capital
  • $20,344Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $268Total unused commitments
  • $17,080Restructured Loans and leases
  • $722Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,152Total interest income
  • $1,866Total interest expense
  • $7,286Net interest income
  • $6Provision for loan and lease losses
  • $2,826Total noninterest income
  • $0Fiduciary activities
  • $1,119Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,707Additional noninterest income
  • $7,009Total noninterest expense
  • $3,833Salaries and employee benefits
  • $825Premises and equipment expense
  • $2,351Additional noninterest expense
  • $3,097Pre-tax net operating income
  • $152Securities gains (losses)
  • $122Applicable income taxes
  • $3,127Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,127Net income attributable to bank
  • $0Net charge-offs
  • $3,127Cash dividends
  • -$125Sale, conversion, retirement of capital stock, net
  • $920Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.57%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 9.92%Return on equity (ROE)
  • 7.00%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • -4.80%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,750Assets per employee
  • 3.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.42%Loss allowance to loans
  • 3.22%Loss allowance to noncurrent loans
  • 3395.65%Noncurrent assets plus other real estate owned to assets
  • 0.21%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 51.13%Net loans and leases to core deposits
  • 53.47%Equity capital to assets
  • 14.25%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 15.19%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $228,415Average earning assets
  • $31,513Average equity
  • $203,815Average loans

List of branches

  • 6 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01245The Union State Bank127 South Summit Street, Arkansas City, KS 67005December 30, 1908Full Service Brick and Mortar
    1190238Arkansas City Branch1339 North First, Arkansas City, KS 67005July 25, 1983Full Service Brick and Mortar
    4788State Bank Branch823 Main, Winfield, KS 67156January 01, 1905Full Service Brick and Mortar
    51879579th Street Drive-In Facility121 West 9th, Winfield, KS 67156Febuary 13, 1986Limited Service Facility
    640563Winfield Branch2100 Pike Road, Winfield, KS 67156January 01, 1886Full Service Brick and Mortar
    79821The Bank Of Commerce Branch119 West First Street, Udall, KS 67146June 03, 1896Full Service Brick and Mortar

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