FDIC Certificate #: 24577 Status: Active Federal Reserve ID: 997856 Bank Holding Company (Regulatory Top Holder): Holcomb Bancshares, Inc. (RSSDID: 2046507, Location: Holcomb, KS) Date Established: May 23, 1983 Trust Powers Granted: No 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 #: 13917 FDIC's unique #: 17077 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: May 23, 1983 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: October 07, 2010 Last Data Update: October 07, 2010 Data Source Date: April 05, 2012
Location
Address: 401 N Henderson St, Holcomb, KS 67851 County: Finney 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): Garden City, KS (#23780) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Corrections
Financial Summary
Total assets: $53.1 mil Equity capital: $7.9 mil Deposits held in domestic offices: $44.3 mil Return on assets (ROA): 1.51% ($0.8 mil) Quarterly return on assets: 1.42% ($0.8 mil) Return on Equity (ROE): 10.85% ($0.9 mil) Quarterly return on equity: 9.61% ($0.8 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 2.02% ($1,073.2 mil) Quarterly Pretax return on assets: 1.87% ($993.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$53,128Total assets
$1,752Cash and due from depository institutions
$0Interest-bearing balances
$23,937Securities
$895Federal funds sold & reverse repurchase agreements
$24,650Net loans & leases
$269Loan loss allowance
$0Trading account assets
$309Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$53,128Life insurance assets
$1,585All other assets
$45,181Total liabilities and capital
$44,335Total liabilities
$42,274Total deposits
$44,335Interest-bearing deposits
$76Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$846Subordinated debt
$7,947All other liabilities
$7,947Total equity capital
$7,947Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$1,025Surplus
$6,422Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$136Income earned, not collected on loans
$0Earning assets
$667Long-term assets (5+ years)
$49,482Average Assets, year-to-date
$22,198Average Assets, quarterly
$52,682Volatile liabilities
$53,414Insider loans
$29,434FHLB advances
$53,469Loans and leases held for sale
$571Unused loan commitments
$571Tier 1 (core) risk-based capital
$7,342Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,465Restructured Loans and leases
$38Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,611Total interest income
$334Total interest expense
$2,277Net interest income
$0Provision for loan and lease losses
$162Total noninterest income
$0Fiduciary activities
$95Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$1,540Total noninterest expense
$919Salaries and employee benefits
$106Premises and equipment expense
$515Additional noninterest expense
$899Pre-tax net operating income
$165Securities gains (losses)
$270Applicable income taxes
$794Income before extraordinary items
$0Extraordinary gains - net
$794Net income attributable to bank
$0Net charge-offs
$794Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.28%Yield on earning assets
0.68%Cost of funding earning assets
4.60%Net interest margin
0.33%Noninterest income to earning assets
3.11%Noninterest expense to earning assets
1.27%Net operating income to assets
1.51%Return on assets (ROA)
2.02%Pretax return on assets
10.85%Return on equity (ROE)
10.85%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,141Assets per employee
3.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
197.79%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.55%Net loans and leases to deposits
55.60%Net loans and leases to core deposits
65.67%Equity capital to assets
14.96%Core capital (leverage) ratio
13.73%Tier 1 risk-based capital ratio
24.94%Total risk-based capital ratio
Memoranda
$26Average assets
$52,682Average earning assets
$7,317Average equity
$49,476Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
17077
First National Bank Of Holcomb
401 N Henderson St, Holcomb, KS 67851
May 23, 1983
Full Service Brick and Mortar
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