FDIC Certificate #: 4684 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Emprise Bank (#4789) Federal Reserve ID: 675958 Date Established: May 01, 1888 WWW:http://www.emprise-hays.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) OTS Docket #: 16014 FDIC's unique #: 3114 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 17, 2004 Last Structure Change Process Date: September 21, 2004 Last Data Update: September 21, 2004 Data Source Date: April 05, 2012
Location
Address: 1200 Main Street, Hays, KS 67601 County: Ellis Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Hays Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Hays, KS (#25700) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $94.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
41Total employees (full-time equivalent)
$91,812Total assets
$3,982Cash and due from depository institutions
$135Interest-bearing balances
$20,641Securities
$4,360Federal funds sold & reverse repurchase agreements
$59,583Net loans & leases
$486Loan loss allowance
$0Trading account assets
$1,803Bank premises and fixed assets
$0Other real estate owned
$188Goodwill and other intangibles
$0Life insurance assets
$1,255All other assets
$91,812Total liabilities and capital
$84,195Total liabilities
$83,140Total deposits
$68,919Interest-bearing deposits
$83,140Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$857Other borrowed funds
$0Subordinated debt
$198All other liabilities
$7,617Total equity capital
$7,617Total bank equity capital
$7,617Perpetual preferred stock
$0Common stock
$1,150Surplus
$4,225Undivided profits
Memoranda
$2,242Noncurrent loans and leases
$7,273Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$80Earning assets
$68Long-term assets (5+ years)
$670Average Assets, year-to-date
$84,719Average Assets, quarterly
$2,137Volatile liabilities
$93,951Insider loans
$92,346FHLB advances
$5,550Loans and leases held for sale
$226Unused loan commitments
$857Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,615Total risk weighted assets
$7,273Total unused commitments
$0Restructured Loans and leases
$486Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$4,082Total interest income
$1,046Total interest expense
$3,036Net interest income
$7Provision for loan and lease losses
$849Total noninterest income
$123Fiduciary activities
$307Service charges on deposit accounts
$0Trading account gains & fees
$419Additional noninterest income
$2,784Total noninterest expense
$1,745Salaries and employee benefits
$217Premises and equipment expense
$822Additional noninterest expense
$1,094Pre-tax net operating income
$0Securities gains (losses)
$44Applicable income taxes
$1,050Income before extraordinary items
$0Extraordinary gains - net
$1,050Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$17Sale, conversion, retirement of capital stock, net
$2,346Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.70%Yield on earning assets
1.20%Cost of funding earning assets
3.49%Net interest margin
0.98%Noninterest income to earning assets
3.20%Noninterest expense to earning assets
1.12%Net operating income to assets
1.12%Return on assets (ROA)
1.16%Pretax return on assets
12.23%Return on equity (ROE)
-15.10%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
41.18%Credit loss provision to net charge-offs
64.76%Efficiency ratio
71,660Assets per employee
2.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
223.43%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
607.50%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.13%Net loans and leases to deposits
71.67%Net loans and leases to core deposits
76.65%Equity capital to assets
8.30%Core capital (leverage) ratio
7.89%Tier 1 risk-based capital ratio
13.48%Total risk-based capital ratio
Memoranda
$14Average assets
$93,951Average earning assets
$8,584Average equity
$86,883Average loans
Total Fiduciary and Related Assets (December 31, 2003)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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