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

  • The Wellsville Bank in Wellsville, Kansas (KS)
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The Wellsville Bank - Overview

  • General
  • FDIC Certificate #: 17923
    Status: Active
    Federal Reserve ID: 430858
    Bank Holding Company (Regulatory Top Holder): Wellsville Bancshares, Inc. (RSSDID: 1059685, Location: Wellsville, KS)
    Date Established: January 14, 1885
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15477
    FDIC's unique #: 11860
    Numeric code: 21
    Regulator: FDIC
    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: November 06, 1958
    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: 112 W 6th St, Wellsville, KS 66092
    County: Franklin
    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
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
    CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $35.2 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $31.5 mil
    Return on assets (ROA): 1.57% ($0.5 mil)
    Quarterly return on assets: 1.00% ($0.3 mil)
    Return on Equity (ROE): 17.38% ($0.7 mil)
    Quarterly return on equity: 10.00% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.62% ($570.4 mil)
    Quarterly Pretax return on assets: 1.05% ($369.7 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
  • 10Total employees (full-time equivalent)
  • $35,212Total assets
  • $785Cash and due from depository institutions
  • $70Interest-bearing balances
  • $12,544Securities
  • $4,985Federal funds sold & reverse repurchase agreements
  • $15,580Net loans & leases
  • $299Loan loss allowance
  • $0Trading account assets
  • $257Bank premises and fixed assets
  • $290Other real estate owned
  • $0Goodwill and other intangibles
  • $35,212Life insurance assets
  • $771All other assets
  • $31,640Total liabilities and capital
  • $31,546Total liabilities
  • $25,054Total deposits
  • $31,546Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $94Subordinated debt
  • $3,572All other liabilities
  • $3,572Total equity capital
  • $3,572Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $800Surplus
  • $2,372Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $99Income earned, not collected on loans
  • $0Earning assets
  • $210Long-term assets (5+ years)
  • $33,179Average Assets, year-to-date
  • $14,796Average Assets, quarterly
  • $34,494Volatile liabilities
  • $35,430Insider loans
  • $19,963FHLB advances
  • $35,949Loans and leases held for sale
  • $292Unused loan commitments
  • $292Tier 1 (core) risk-based capital
  • $3,161Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,140Restructured Loans and leases
  • $545Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,623Total interest income
  • $207Total interest expense
  • $1,416Net interest income
  • $88Provision for loan and lease losses
  • $297Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $1,221Total noninterest expense
  • $587Salaries and employee benefits
  • $171Premises and equipment expense
  • $463Additional noninterest expense
  • $404Pre-tax net operating income
  • $156Securities gains (losses)
  • $19Applicable income taxes
  • $541Income before extraordinary items
  • $0Extraordinary gains - net
  • $541Net income attributable to bank
  • $0Net charge-offs
  • $541Cash dividends
  • $66Sale, conversion, retirement of capital stock, net
  • $160Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.57%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 17.38%Return on equity (ROE)
  • 12.24%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 133.33%Credit loss provision to net charge-offs
  • 7.45%Efficiency ratio
  • 71,278Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.57%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 302.02%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 49.39%Net loans and leases to core deposits
  • 49.81%Equity capital to assets
  • 10.14%Core capital (leverage) ratio
  • 8.79%Tier 1 risk-based capital ratio
  • 15.83%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $34,494Average earning assets
  • $3,114Average equity
  • $32,502Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011860The Wellsville Bank112 W 6th St, Wellsville, KS 66092January 14, 1885Full Service Brick and Mortar

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