FDIC Certificate #: 4788 Status: Active Federal Reserve ID: 488055 Bank Holding Company (Regulatory Top Holder): Don-Co. Investment Company (RSSDID: 1055904, Location: Troy, KS) Date Established: Febuary 04, 1870 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 #: 3198 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 212 South Main Street, Troy, KS 66087 County: Doniphan Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140) CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $25.0 mil Equity capital: $2.2 mil Deposits held in domestic offices: $22.7 mil Return on assets (ROA): 0.42% ($0.1 mil) Quarterly return on assets: 0.10% ($0.0 mil) Return on Equity (ROE): 4.59% ($0.1 mil) Quarterly return on equity: 1.10% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.44% ($109.9 mil) Quarterly Pretax return on assets: 0.15% ($37.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$24,975Total assets
$5,377Cash and due from depository institutions
$4,925Interest-bearing balances
$6,344Securities
$1,697Federal funds sold & reverse repurchase agreements
$11,122Net loans & leases
$172Loan loss allowance
$0Trading account assets
$180Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$24,975Life insurance assets
$255All other assets
$22,815Total liabilities and capital
$22,730Total liabilities
$19,487Total deposits
$22,730Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$85Subordinated debt
$2,160All other liabilities
$2,160Total equity capital
$2,160Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$200Surplus
$1,910Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$101Long-term assets (5+ years)
$24,088Average Assets, year-to-date
$2,613Average Assets, quarterly
$23,225Volatile liabilities
$23,731Insider loans
$17,979FHLB advances
$24,339Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,105Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$370Restructured Loans and leases
$472Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,043Total interest income
$193Total interest expense
$850Net interest income
$79Provision for loan and lease losses
$209Total noninterest income
$0Fiduciary activities
$147Service charges on deposit accounts
$0Trading account gains & fees
$62Additional noninterest income
$881Total noninterest expense
$533Salaries and employee benefits
$92Premises and equipment expense
$256Additional noninterest expense
$99Pre-tax net operating income
$4Securities gains (losses)
$5Applicable income taxes
$98Income before extraordinary items
$0Extraordinary gains - net
$98Net income attributable to bank
$0Net charge-offs
$98Cash dividends
$19Sale, conversion, retirement of capital stock, net
$85Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.67%Yield on earning assets
0.86%Cost of funding earning assets
3.81%Net interest margin
0.94%Noninterest income to earning assets
3.95%Noninterest expense to earning assets
0.41%Net operating income to assets
0.42%Return on assets (ROA)
0.44%Pretax return on assets
4.59%Return on equity (ROE)
0.61%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
415.79%Credit loss provision to net charge-offs
9.37%Efficiency ratio
83,192Assets per employee
3.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
86.73%Loss allowance to loans
1.52%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
48.93%Net loans and leases to core deposits
48.93%Equity capital to assets
8.65%Core capital (leverage) ratio
8.65%Tier 1 risk-based capital ratio
11.71%Total risk-based capital ratio
Memoranda
$13Average assets
$23,225Average earning assets
$2,134Average equity
$22,316Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3198
1st Bank Of Troy
212 South Main Street, Troy, KS 66087
Febuary 04, 1870
Full Service Brick and Mortar
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