Towanda State Bank in Towanda, Kansas (KS)



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Towanda State Bank routing number info

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Towanda State Bank
GeneralFDIC Certificate #: 15009
Status: Active
Federal Reserve ID: 63751
Date Established: January 01, 1934
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 9409
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: Febuary 02, 1935
Last Structure Change Effective Date: Febuary 12, 2008
Last Structure Change Process Date: Febuary 21, 2008
Last Data Update: Febuary 21, 2008
Data Source Date: April 05, 2012
LocationAddress: 400 Main Street, Towanda, KS 67144
County: Butler
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
Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
Core Based Statistical Area (CBSA): Wichita, KS (#48620)
CBSA Metro Statistical Area: Wichita, KS (#48620)
History of ChangesCorrections
Change in Location
Name Change
Financial SummaryTotal assets: $9.2 mil
Equity capital: $0.8 mil
Deposits held in domestic offices: $8.3 mil
Return on assets (ROA): -0.43% (-$0.0 mil)
Quarterly return on assets: -1.21% (-$0.1 mil)
Return on Equity (ROE): -4.83% (-$0.0 mil)
Quarterly return on equity: -14.15% (-$0.1 mil)
Net income: -$0.0 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: -0.43% (-$39.5 mil)
Quarterly Pretax return on assets: -1.21% (-$111.2 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)8
Total assets$9,188
Cash and due from depository institutions$506
Interest-bearing balances$9
Securities$1,219
Federal funds sold & reverse repurchase agreements$480
Net loans & leases$6,477
Loan loss allowance $95
Trading account assets$0
Bank premises and fixed assets$272
Other real estate owned$120
Goodwill and other intangibles$0
All other assets$114
Life insurance assets$9,188
Total liabilities and capital$8,410
Total liabilities$8,295
Total deposits$6,543
Interest-bearing deposits$8,295
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$101
Other borrowed funds $0
Subordinated debt $14
All other liabilities $778
Total equity capital$778
Total bank equity capital$778
Perpetual preferred stock$0
Common stock$25
Surplus$175
Undivided profits $578
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 $25
Earning assets $0
Long-term assets (5+ years) $35
Average Assets, year-to-date $8,185
Average Assets, quarterly $4,078
Volatile liabilities $9,131
Insider loans $9,239
FHLB advances $5,055
Loans and leases held for sale $8,607
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $797
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $198
Derivatives$19
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $468
Total interest expense $82
Net interest income $386
Provision for loan and lease losses $0
Total noninterest income $111
Fiduciary activities $0
Service charges on deposit accounts $89
Trading account gains & fees $0
Additional noninterest income $22
Total noninterest expense $536
Salaries and employee benefits $270
Premises and equipment expense $101
Additional noninterest expense $165
Pre-tax net operating income -$39
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$39
Extraordinary gains - net $0
Net income attributable to bank -$39
Net charge-offs $0
Cash dividends -$39
Sale, conversion, retirement of capital stock, net $4
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.76%
Cost of funding earning assets 1.01%
Net interest margin 4.75%
Noninterest income to earning assets 1.36%
Noninterest expense to earning assets 6.59%
Net operating income to assets -0.43%
Return on assets (ROA) -0.43%
Pretax return on assets -0.43%
Return on equity (ROE) -4.83%
Retained earnings to average equity (YTD only) -4.83%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio-9.75%
Assets per employee$107,847
Cash dividends to net income (YTD only)1.15%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.45%
Noncurrent assets plus other real estate owned to assets 380.00%
Noncurrent loans to loans 1.58%
Net loans and leases to deposits0.38%
Net loans and leases to core deposits 78.08%
Equity capital to assets 78.08%
Core capital (leverage) ratio 8.47%
Tier 1 risk-based capital ratio 9.26%
Total risk-based capital ratio 15.77%
Memoranda
Average assets$17
Average earning assets$9,131
Average equity $808
Average loans $8,132
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09409Towanda State Bank400 Main Street, Towanda, KS 67144January 01, 1934Full Service Brick and Mortar
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