Tightwad Bank in Osage City, Kansas (KS), MO
Overview, Financial Summary, Detailed Financial Reports, Branches


Tightwad Bank - Overview

  • General
  • FDIC Certificate #: 17366
    Status: Active
    Federal Reserve ID: 593351
    Bank Holding Company (Regulatory Top Holder): Rsb Financial, Inc. (RSSDID: 2889870, Location: Mission Hills, KS)
    Date Established: January 01, 1900
    WWW: http://www.tightwadbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: Yes)
    FDIC's unique #: 11371
    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: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 05, 1954
    Last Structure Change Effective Date: June 14, 2011
    Last Structure Change Process Date: June 14, 2011
    Last Data Update: June 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 131 W Market Street, Osage City, KS 66523
    County: Osage
    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
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $15.3 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $13.5 mil
    Return on assets (ROA): -0.29% (-$0.0 mil)
    Quarterly return on assets: -4.42% (-$0.7 mil)
    Return on Equity (ROE): -2.81% (-$0.1 mil)
    Quarterly return on equity: -38.62% (-$0.8 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.21% (-$32.1 mil)
    Quarterly Pretax return on assets: -4.08% (-$624.6 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
  • 4Total employees (full-time equivalent)
  • $15,309Total assets
  • $158Cash and due from depository institutions
  • $0Interest-bearing balances
  • $1,300Securities
  • $931Federal funds sold & reverse repurchase agreements
  • $11,846Net loans & leases
  • $257Loan loss allowance
  • $0Trading account assets
  • $133Bank premises and fixed assets
  • $561Other real estate owned
  • $224Goodwill and other intangibles
  • $15,309Life insurance assets
  • $156All other assets
  • $13,515Total liabilities and capital
  • $13,511Total liabilities
  • $12,356Total deposits
  • $13,511Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4Subordinated debt
  • $1,794All other liabilities
  • $1,794Total equity capital
  • $1,794Total bank equity capital
  • $0Perpetual preferred stock
  • $58Common stock
  • $354Surplus
  • $1,382Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $142Income earned, not collected on loans
  • $0Earning assets
  • $55Long-term assets (5+ years)
  • $14,077Average Assets, year-to-date
  • $289Average Assets, quarterly
  • $18,296Volatile liabilities
  • $16,475Insider loans
  • $10,965FHLB advances
  • $16,378Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,570Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,539Restructured Loans and leases
  • $42Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $781Total interest income
  • $183Total interest expense
  • $598Net interest income
  • $161Provision for loan and lease losses
  • $202Total noninterest income
  • $0Fiduciary activities
  • $10Service charges on deposit accounts
  • $0Trading account gains & fees
  • $192Additional noninterest income
  • $678Total noninterest expense
  • $264Salaries and employee benefits
  • $58Premises and equipment expense
  • $356Additional noninterest expense
  • -$39Pre-tax net operating income
  • $0Securities gains (losses)
  • $14Applicable income taxes
  • -$53Income before extraordinary items
  • $0Extraordinary gains - net
  • -$53Net income attributable to bank
  • $0Net charge-offs
  • -$53Cash dividends
  • $257Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.55%Net interest margin
  • 1.20%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • -0.29%Net operating income to assets
  • -0.29%Return on assets (ROA)
  • -0.21%Pretax return on assets
  • -2.81%Return on equity (ROE)
  • -2.81%Retained earnings to average equity (YTD only)
  • 1.82%Net charge-offs to loans
  • 62.65%Credit loss provision to net charge-offs
  • 0.47%Efficiency ratio
  • 84,750Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.12%Loss allowance to noncurrent loans
  • 180.99%Noncurrent assets plus other real estate owned to assets
  • 4.59%Noncurrent loans to loans
  • 1.17%Net loans and leases to deposits
  • 87.68%Net loans and leases to core deposits
  • 89.48%Equity capital to assets
  • 11.72%Core capital (leverage) ratio
  • 9.59%Tier 1 risk-based capital ratio
  • 14.32%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $18,296Average earning assets
  • $1,888Average equity
  • $16,860Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011371Tightwad Bank131 W Market Street, Osage City, KS 66523January 01, 1900Full Service Brick and Mortar
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1473723Tightwad Bank1160 S.E. Highway 7, Clinton, MO 64735March 27, 2008Full Service Brick and Mortar

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