Vitals
  • Total Assets
    432.2M -7.9 %
  • Total Deposits
    383.0M -8.2 %
  • Total Net Loans
    293.6M 0.5 %
  • Net Income
    7.2M 16.5 %
  • Book Value
    48.4M -5.3 %
  • Book Value x2
    96.9M -5.3 %
  • Book Value x3
    145.3M -5.3 %
ROAA

1.643

ROAE

14.228

Efficiency Ratio

56.181

Net Interest Margin

3.94

Balance Sheet Highlights
Financial Highlights The Western State Bank All Insured Commercial Banks in Kansas
Balance Sheet $(000)
Total Assets 432,192 161,058
Total Net Loans 293,574 97,183
Total Deposits 383,037 131,657
Total Equity 48,432 18,008
Profitability
Net Income 7,176 1,663
Return on Average Assets 1.643 .954
Return on Average Equity 14.228 8.443
Net Interest Margin 3.94 3.683
Efficiency Ratio 56.181 68.374
Noninterest Income/Revenue 11.352 15.013
Balance Sheet Ratios
Loan-to-Deposit 76.644 72.321
Securities/Assets .186 .241
Total Equity/Total Assets .112 .112
Tangible Equity/Tangible Assets .112 .109
Capital Adequacy
Tier 1 Common Capital 49,199 17,454
Tier 1 Capital 49,199 17,457
Tier 2 Capital 4,260 1,279
Total Capital 53,459 18,771
Total Risk Weighted Assets 337,207 112,595
Leverage Ratio 11.43 11.048
Common Equity Tier 1 Capital Ratio 14.59 16.94
Tier 1 Capital Ratio 14.59 16.949
Total Capital Ratio 15.85 18.109

Timeline for The Western State Bank

Southwest Bank

Acquisition: The Western State Bank acquired a new subsidiary, Southwest Bank, 21 years

View Profile Apr 12 2003

The First State Bank Of Leoti

Acquisition: The Western State Bank acquired a new subsidiary, The First State Bank Of Leoti, 24 years

View Profile Oct 23 1999

First State Ag., Inc.

First State Ag., Inc. became a new subsidiary organization for The Western State Bank.

View Profile Oct 23 1999

Whitcorp Financial Company

Whitcorp Financial Company became a new parent organization for The Western State Bank.

View Profile Aug 01 1995

Valley Savings, A Federal Savings And Loan Association

Acquisition: The Western State Bank acquired a new subsidiary, Valley Savings, A Federal Savings And Loan Association, 33 years

View Profile Nov 10 1990

Want to see more?

Complete timeline for The Western State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Southwest Bank Seller 43,832 Acquisition Discontinued 4/12/2003
The First State Bank Of Leoti Seller 59,530 Acquisition Discontinued 10/23/1999
Valley Savings, A Federal Savings And Loan Association Seller 116,462 Failure 11/10/1990
Relationships Role Relationship Start Relationship End
Whitcorp Financial Company Parent 12/14/2007
Whitcorp Financial Company Parent 1/21/2000 12/13/2007
Whitcorp Financial Company Parent 10/23/1999 1/20/2000
Whitcorp Financial Company Parent 8/1/1995 10/22/1999
Western Bancorp., Inc. Parent 2/19/1992 7/31/1995
Western Bancorp., Inc. Parent 12/31/1985 2/18/1992
Western Bancorp., Inc. Parent 12/31/1984 12/30/1985
Western Bancorp., Inc. Parent 12/31/1981 12/30/1984
Western Bancorp., Inc. Parent 12/30/1980 12/30/1981
Western Building Corporation Subsidary 12/30/1980 5/15/2007
Wsb Securities Corporation Subsidary 5/31/1988 8/31/2001
First State Ag., Inc. Subsidary 10/23/1999 12/31/1999
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