The Union State Bank in Arkansas City, Kansas (KS)



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Table of contents:
The Union State Bank
GeneralFDIC 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
WWW: http://www.myunionstate.com
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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Corrections
Financial SummaryTotal 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)
Total employees (full-time equivalent)67
Total assets$230,891
Cash and due from depository institutions$10,404
Interest-bearing balances$7,530
Securities$104,828
Federal funds sold & reverse repurchase agreements$5
Net loans & leases$93,832
Loan loss allowance $3,124
Trading account assets$0
Bank premises and fixed assets$4,323
Other real estate owned$402
Goodwill and other intangibles$9,915
All other assets$7,182
Life insurance assets$230,891
Total liabilities and capital$197,979
Total liabilities$183,532
Total deposits$156,329
Interest-bearing deposits$183,532
Deposits held in domestic offices$94
% insured (estimated)10020.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,054
Other borrowed funds $0
Subordinated debt $1,373
All other liabilities $32,912
Total equity capital$32,912
Total bank equity capital$32,912
Perpetual preferred stock$0
Common stock$200
Surplus$20,124
Undivided profits $12,588
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $92
Earning assets $0
Long-term assets (5+ years) $1,035
Average Assets, year-to-date $206,195
Average Assets, quarterly $82,371
Volatile liabilities $228,415
Insider loans $232,138
FHLB advances $133,955
Loans and leases held for sale $222,512
Unused loan commitments $3,878
Tier 1 (core) risk-based capital $3,610
Tier 2 risk-based capital $20,344
Total risk weighted assets $0
Total unused commitments $268
Restructured Loans and leases $17,080
Derivatives$722
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,152
Total interest expense $1,866
Net interest income $7,286
Provision for loan and lease losses $6
Total noninterest income $2,826
Fiduciary activities $0
Service charges on deposit accounts $1,119
Trading account gains & fees $0
Additional noninterest income $1,707
Total noninterest expense $7,009
Salaries and employee benefits $3,833
Premises and equipment expense $825
Additional noninterest expense $2,351
Pre-tax net operating income $3,097
Securities gains (losses) $152
Applicable income taxes $122
Income before extraordinary items $3,127
Extraordinary gains - net $0
Net income attributable to bank $3,127
Net charge-offs $0
Cash dividends $3,127
Sale, conversion, retirement of capital stock, net -$125
Net operating income $920
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.49%
Cost of funding earning assets 0.92%
Net interest margin 3.57%
Noninterest income to earning assets 1.39%
Noninterest expense to earning assets 3.44%
Net operating income to assets 1.31%
Return on assets (ROA) 1.37%
Pretax return on assets 1.42%
Return on equity (ROE) 9.92%
Retained earnings to average equity (YTD only) 7.00%
Net charge-offs to loans -0.13%
Credit loss provision to net charge-offs -4.80%
Efficiency ratio0.00%
Assets per employee$68,750
Cash dividends to net income (YTD only)3.45%
Condition Ratios (%)
Loss allowance to loans 29.42%
Loss allowance to noncurrent loans 3.22%
Noncurrent assets plus other real estate owned to assets 3395.65%
Noncurrent loans to loans 0.21%
Net loans and leases to deposits0.09%
Net loans and leases to core deposits 51.13%
Equity capital to assets 53.47%
Core capital (leverage) ratio 14.25%
Tier 1 risk-based capital ratio 9.14%
Total risk-based capital ratio 15.19%
Memoranda
Average assets$16
Average earning assets$228,415
Average equity $31,513
Average loans $203,815
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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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