State Bank of Downs, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

The State Bank of Downs has offered quality banking services to customers in north central Kansas for over 120 years. Over the past several years the bank has expanded it’s loan territory beyond a traditional agricultural bank. The State Bank of Downs has a full service branch in Englewood, Colorado, operating as Berkley Bank.

The Harrison family founded the State Bank of Downs in 1892. The family continued ownership until the early 1960’s. In 1961 the Berkley family of Tescott purchased the bank. Today, Berkley family members own and actively operate the State Bank of Downs. The Bank has seen steady growth since 1961 where assets grew from 2.5 million to over 53 million in 2004.

Loan decisions are made quickly at the State Bank of Downs because the owners are actively involved in lending and the day-to-day decision making. Banks outstanding staff allows it to offer one on one full service banking and advice reminiscent of years past.

Main Office:
State Bank of Downs
900 Morgan Ave.
Downs, KS 67437
Phone: 785-454-3323
Fax: 785-454-3560

Branch Office:
Berkley Bank
7887 East Belleview Avenue
Suite 100
Englewood, CO 80111
Phone: 303-770-0361
Fax: 303-770-0426