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

The Wilson State Bank - Overview

  • General
  • FDIC Certificate #: 12136
    Status: Active
    Federal Reserve ID: 501655
    Bank Holding Company (Regulatory Top Holder): Wilson Bancshares, Inc. (RSSDID: 2356251, Location: Wilson, KS)
    Date Established: July 16, 1886
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 53047
    FDIC's unique #: 7712
    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: January 01, 1934
    Last Structure Change Effective Date: January 22, 2011
    Last Structure Change Process Date: Febuary 23, 2011
    Last Data Update: Febuary 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 422 26th Street, Wilson, KS 67490
    County: Ellsworth
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $79.8 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $68.5 mil
    Return on assets (ROA): 1.41% ($1.1 mil)
    Quarterly return on assets: 1.35% ($1.1 mil)
    Return on Equity (ROE): 12.63% ($1.1 mil)
    Quarterly return on equity: 12.34% ($1.1 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.41% ($1,125.3 mil)
    Quarterly Pretax return on assets: 1.41% ($1,125.3 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
  • 27Total employees (full-time equivalent)
  • $79,807Total assets
  • $3,229Cash and due from depository institutions
  • $2,500Interest-bearing balances
  • $8,002Securities
  • $5,352Federal funds sold & reverse repurchase agreements
  • $58,191Net loans & leases
  • $600Loan loss allowance
  • $0Trading account assets
  • $1,289Bank premises and fixed assets
  • $53Other real estate owned
  • $1,624Goodwill and other intangibles
  • $79,807Life insurance assets
  • $2,067All other assets
  • $71,187Total liabilities and capital
  • $68,491Total liabilities
  • $53,604Total deposits
  • $68,491Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $696Subordinated debt
  • $8,620All other liabilities
  • $8,620Total equity capital
  • $8,620Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $6,185Surplus
  • $2,285Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $422Income earned, not collected on loans
  • $0Earning assets
  • $629Long-term assets (5+ years)
  • $74,045Average Assets, year-to-date
  • $28,306Average Assets, quarterly
  • $76,072Volatile liabilities
  • $80,156Insider loans
  • $65,107FHLB advances
  • $78,578Loans and leases held for sale
  • $862Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,923Tier 2 risk-based capital
  • $862Total risk weighted assets
  • $0Total unused commitments
  • $3,576Restructured Loans and leases
  • $233Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,043Total interest income
  • $538Total interest expense
  • $3,505Net interest income
  • $191Provision for loan and lease losses
  • $404Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $128Additional noninterest income
  • $2,646Total noninterest expense
  • $1,416Salaries and employee benefits
  • $376Premises and equipment expense
  • $854Additional noninterest expense
  • $1,072Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $1,070Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,070Net income attributable to bank
  • $0Net charge-offs
  • $1,070Cash dividends
  • $52Sale, conversion, retirement of capital stock, net
  • $941Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.76%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 5.00%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 12.63%Return on equity (ROE)
  • 1.52%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 367.31%Credit loss provision to net charge-offs
  • 24.29%Efficiency ratio
  • 62,241Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.94%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 142.18%Noncurrent assets plus other real estate owned to assets
  • 0.60%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 84.96%Net loans and leases to core deposits
  • 89.92%Equity capital to assets
  • 10.80%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 10.63%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $76,072Average earning assets
  • $8,469Average equity
  • $70,166Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07712The Wilson State Bank422 26th Street, Wilson, KS 67490July 16, 1886Full Service Brick and Mortar
    1243838Russell Branch565 South Fossil, Russell, KS 67665January 12, 1998Full Service Brick and Mortar
    23117Hoisington BranchSecond And Main Streets, Hoisington, KS 67544January 01, 1911Full Service Brick and Mortar
    3238140Beverly Branch101 South Main Street, Beverly, KS 67423November 15, 1996Full Service Brick and Mortar

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