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State Banking Performance Summary
FDIC-Insured Institutions

All Insured Institutions
Kansas
December 31, 2012
All Insured Institutions
Kansas
December 31, 2011
All Insured Institutions
Kansas
December 31, 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 reporting300 172 128 318 191 127 326 202 124
Total employees (full-time equivalent)15,388 2,349 13,039 14,957 2,574 12,383 15,399 2,819 12,580
AGGREGATE CONDITION AND INCOME DATA                 
Net income (year-to-date)535 68 466 447 69 379 307 50 257
Total assets63,566 8,845 54,722 61,920 9,249 52,671 62,962 9,692 53,269
Earning assets58,553 8,092 50,461 57,026 8,460 48,566 57,870 8,910 48,960
Total loans & leases35,096 4,874 30,222 33,942 5,171 28,771 35,989 5,632 30,357
Other real estate owned511 44 466 698 50 648 860 45 815
Total deposits48,930 7,446 41,484 47,051 7,775 39,276 48,083 8,126 39,957
Equity capital7,408 1,008 6,400 7,242 1,059 6,183 7,056 1,050 6,006
PERFORMANCE RATIOS (YTD, %)                 
Yield on earning assets4.00 4.35 3.94 4.32 4.73 4.25 4.57 5.10 4.48
Cost of funding earning assets0.84 0.66 0.86 1.09 0.88 1.12 1.44 1.22 1.47
Net interest margin3.16 3.69 3.08 3.23 3.85 3.12 3.14 3.88 3.01
Noninterest income to avg. earning assets1.39 0.67 1.51 1.08 0.78 1.13 1.29 0.71 1.39
Noninterest expense to avg. earning assets3.16 3.29 3.14 3.06 3.47 2.98 3.03 3.47 2.96
Net charge-offs to loans & leases0.50 0.22 0.55 0.67 0.50 0.70 1.27 0.70 1.37
Credit-loss provision to net charge-offs92.88 110.84 91.71 72.97 96.29 69.95 86.27 117.15 83.49
Net operating income to average assets0.86 0.74 0.88 0.72 0.69 0.73 0.46 0.48 0.46
Retained earnings to average equity2.28 2.78 2.21 2.55 3.19 2.44 0.70 0.78 0.68
Pre tax return on assets1.05 0.91 1.07 0.89 0.86 0.90 0.65 0.59 0.66
Return on assets0.87 0.80 0.88 0.74 0.76 0.73 0.48 0.52 0.47
Return on equity7.35 6.87 7.43 6.33 6.73 6.26 4.62 4.72 4.60
Percent of unprofitable institutions5.33 6.98 3.13 8.49 9.42 7.09 15.95 15.35 16.94
Percent of institutions with earning gains60.67 57.56 64.84 67.30 65.45 70.08 58.59 56.44 62.10
CONDITION RATIOS (%)                 
Net loans and leases to assets54.29 54.12 54.31 53.82 54.92 53.63 56.03 57.08 55.84
Loss allowance to:                 
    Loans and leases1.68 1.79 1.66 1.81 1.76 1.82 1.97 1.77 2.01
    Noncurrent loans a93.71 118.69 90.39 81.10 134.84 75.83 55.08 114.36 50.79
Noncurrent loans & leases to                 
    total loans & leas1.79 1.51 1.83 2.23 1.31 2.40 3.58 1.54 3.96
Nonperforming assets to assets1.81 1.33 1.89 2.36 1.28 2.55 3.42 1.36 3.80
Core deposits to total liabilities74.14 79.61 73.25 72.13 78.58 70.99 70.33 76.84 69.15
Equity capital to total assets11.65 11.39 11.70 11.69 11.45 11.74 11.21 10.83 11.27
Core capital (leverage) ratio11.05 10.70 11.11 11.03 10.65 11.10 10.28 10.26 10.29
Total capital to risk-weighted assets18.98 18.18 19.11 19.15 18.22 19.32 18.47 17.17 18.72
Gross 1-4 family mortgages to gross assets19.29 13.92 20.15 18.68 14.34 19.44 18.19 14.28 18.90
Gross real estate assets to gross assets53.62 41.79 55.53 53.89 43.20 55.77 52.67 42.79 54.46
Source: Call Report and Thrift Financial Report
Prepared by the FDIC-Division of Insurance and Research
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