FDIC Certificate #: 4760 Status: Active Federal Reserve ID: 305152 Bank Holding Company (Regulatory Top Holder): Pratt Community Bancshares, Inc. (RSSDID: 3964765, Location: Pratt, KS) Date Established: April 24, 1902 WWW:http://www.fnbpratt.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15622 FDIC's unique #: 3175 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes 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: 223 South Main Street, Pratt, KS 67124 County: Pratt Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $107.5 mil Equity capital: $11.0 mil Deposits held in domestic offices: $95.9 mil Return on assets (ROA): 0.60% ($0.6 mil) Quarterly return on assets: 0.94% ($1.0 mil) Return on Equity (ROE): 5.69% ($0.6 mil) Quarterly return on equity: 8.98% ($1.0 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.61% ($655.6 mil) Quarterly Pretax return on assets: 0.99% ($1,064.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
28Total employees (full-time equivalent)
$107,481Total assets
$9,848Cash and due from depository institutions
$7,013Interest-bearing balances
$45,797Securities
$410Federal funds sold & reverse repurchase agreements
$44,697Net loans & leases
$415Loan loss allowance
$0Trading account assets
$997Bank premises and fixed assets
$55Other real estate owned
$1,624Goodwill and other intangibles
$107,480Life insurance assets
$4,053All other assets
$96,529Total liabilities and capital
$95,878Total liabilities
$75,104Total deposits
$95,878Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$651Subordinated debt
$10,951All other liabilities
$10,951Total equity capital
$10,951Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$9,230Surplus
$1,221Undivided 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
$507Long-term assets (5+ years)
$97,917Average Assets, year-to-date
$25,181Average Assets, quarterly
$102,540Volatile liabilities
$106,086Insider loans
$63,882FHLB advances
$106,018Loans and leases held for sale
$2,690Unused loan commitments
$2,690Tier 1 (core) risk-based capital
$9,076Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,410Restructured Loans and leases
$4,899Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,225Total interest income
$355Total interest expense
$2,870Net interest income
$87Provision for loan and lease losses
$715Total noninterest income
$193Fiduciary activities
$199Service charges on deposit accounts
$0Trading account gains & fees
$323Additional noninterest income
$2,941Total noninterest expense
$1,814Salaries and employee benefits
$182Premises and equipment expense
$945Additional noninterest expense
$557Pre-tax net operating income
$70Securities gains (losses)
$11Applicable income taxes
$616Income before extraordinary items
$0Extraordinary gains - net
$616Net income attributable to bank
$0Net charge-offs
$616Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$193Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.45%Yield on earning assets
0.38%Cost of funding earning assets
3.07%Net interest margin
0.76%Noninterest income to earning assets
3.15%Noninterest expense to earning assets
0.53%Net operating income to assets
0.60%Return on assets (ROA)
0.61%Pretax return on assets
5.69%Return on equity (ROE)
3.91%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-2900.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
79,693Assets per employee
3.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.33%Loss allowance to loans
0.92%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.00%Net loans and leases to deposits
46.62%Net loans and leases to core deposits
48.15%Equity capital to assets
10.19%Core capital (leverage) ratio
8.56%Tier 1 risk-based capital ratio
14.21%Total risk-based capital ratio
Memoranda
$15Average assets
$102,540Average earning assets
$10,831Average equity
$93,474Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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