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State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
Kansas
June 30, 2012
All Insured Institutions
Kansas
June 30, 2011
All Insured Institutions
Kansas
June 30, 2010
      (dollar figures in millions) All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
All
Institutions
Assets
less than
$100 million
Assets
greater than
$100 million
Number of institutions reporting314 187 127 324 200 124 337 214 123
Total employees (full-time equivalent)15,214 2,534 12,680 15,269 2,724 12,545 15,416 3,002 12,414
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)281 38 243 234 41 193 87 29 58
Total assets62,183 9,349 52,834 62,188 9,702 52,486 61,845 10,050 51,795
Earning assets57,482 8,560 48,922 57,052 8,889 48,163 56,992 9,211 47,781
Total loans & leases33,658 5,079 28,580 34,611 5,419 29,192 37,351 5,953 31,398
Other real estate owned627 51 576 898 51 847 646 43 603
Total deposits47,621 7,892 39,728 47,405 8,162 39,244 47,479 8,403 39,075
Equity capital7,401 1,063 6,338 7,313 1,088 6,225 6,293 1,122 5,171
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets4.06 4.40 4.01 4.41 4.76 4.35 4.78 5.12 4.72
Cost of funding earning assets0.88 0.70 0.91 1.17 0.94 1.21 1.52 1.26 1.57
Net interest margin3.19 3.70 3.10 3.24 3.81 3.14 3.26 3.85 3.15
Noninterest income to avg. earning assets1.27 0.62 1.38 1.06 0.72 1.12 1.09 0.74 1.16
Noninterest expense to avg. earning assets3.04 3.24 3.01 3.02 3.31 2.97 2.98 3.36 2.91
Net charge-offs to loans & leases0.32 0.25 0.34 0.60 0.40 0.64 1.42 0.64 1.56
Credit-loss provision to net charge-offs117.14 98.80 119.62 84.07 108.19 81.27 99.08 129.59 96.73
Net operating income to average assets0.91 0.74 0.93 0.74 0.82 0.73 0.27 0.54 0.21
Retained earnings to average equity3.50 3.58 3.49 3.10 4.51 2.86 -1.24 1.76 -1.89
Pre tax return on assets1.09 0.93 1.11 0.90 0.91 0.90 0.43 0.68 0.38
Return on assets0.90 0.82 0.92 0.75 0.85 0.73 0.28 0.58 0.22
Return on equity7.69 7.22 7.77 6.53 7.76 6.32 2.79 5.25 2.26
Percent of unprofitable institutions6.69 8.56 3.94 9.26 9.50 8.87 16.91 16.82 17.07
Percent of institutions with earning gains64.33 59.36 71.65 57.72 57.00 58.87 50.15 48.13 53.66
CONDITION RATIOS (%)                 
Net loans and leases to assets53.13 53.33 53.09 54.55 54.87 54.49 59.31 58.21 59.52
Loss allowance to:                 
    Loans and leases1.85 1.83 1.85 1.99 1.76 2.03 1.79 1.72 1.81
    Noncurrent loans a93.49 149.80 87.67 62.43 118.68 58.01 55.05 97.51 51.05
Noncurrent loans & leases to                 
    total loans & leas1.97 1.22 2.11 3.18 1.48 3.50 3.26 1.76 3.54
Nonperforming assets to assets2.10 1.21 2.25 3.22 1.36 3.56 3.01 1.47 3.31
Core deposits to total liabilities73.51 79.40 72.47 71.32 77.86 70.10 69.30 76.81 67.86
Equity capital to total assets11.90 11.37 12.00 11.76 11.22 11.86 10.18 11.16 9.98
Core capital (leverage) ratio11.07 10.53 11.16 10.98 10.42 11.08 9.36 10.38 9.17
Total capital to risk-weighted assets19.49 18.16 19.73 19.27 17.72 19.57 15.80 17.04 15.55
Gross 1-4 family mortgages to gross assets18.52 13.54 19.40 18.11 13.95 18.88 19.31 14.68 20.20
Gross real estate assets to gross assets54.44 42.46 56.56 54.30 42.74 56.43 54.25 42.93 56.44
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
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