FDIC Certificate #: 12139 Status: Active Federal Reserve ID: 540850 Date Established: January 01, 1902 WWW:http://www.fordcountystatebank.com 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 #: 7713 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: 322 N Main St, Spearville, KS 67876 County: Ford 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): Dodge City, KS (#19980) CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $33.3 mil Equity capital: $4.4 mil Deposits held in domestic offices: $28.6 mil Return on assets (ROA): 0.62% ($0.2 mil) Quarterly return on assets: 0.44% ($0.1 mil) Return on Equity (ROE): 4.78% ($0.2 mil) Quarterly return on equity: 3.31% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.82% ($272.8 mil) Quarterly Pretax return on assets: 0.59% ($196.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$33,272Total assets
$8,151Cash and due from depository institutions
$496Interest-bearing balances
$5,984Securities
$800Federal funds sold & reverse repurchase agreements
$17,374Net loans & leases
$354Loan loss allowance
$0Trading account assets
$40Bank premises and fixed assets
$33Other real estate owned
$0Goodwill and other intangibles
$33,272Life insurance assets
$890All other assets
$28,917Total liabilities and capital
$28,649Total liabilities
$25,082Total deposits
$28,649Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$268Subordinated debt
$4,355All other liabilities
$4,355Total equity capital
$4,355Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$175Surplus
$4,120Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,177Income earned, not collected on loans
$0Earning assets
$394Long-term assets (5+ years)
$24,654Average Assets, year-to-date
$10,635Average Assets, quarterly
$32,289Volatile liabilities
$32,731Insider loans
$21,223FHLB advances
$32,848Loans and leases held for sale
$396Unused loan commitments
$396Tier 1 (core) risk-based capital
$4,173Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,118Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,298Total interest income
$201Total interest expense
$1,097Net interest income
$24Provision for loan and lease losses
$72Total noninterest income
$0Fiduciary activities
$62Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$879Total noninterest expense
$514Salaries and employee benefits
$63Premises and equipment expense
$302Additional noninterest expense
$266Pre-tax net operating income
$0Securities gains (losses)
$65Applicable income taxes
$201Income before extraordinary items
$0Extraordinary gains - net
$201Net income attributable to bank
$0Net charge-offs
$201Cash dividends
$33Sale, conversion, retirement of capital stock, net
$36Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.25%Yield on earning assets
0.81%Cost of funding earning assets
4.44%Net interest margin
0.29%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
0.62%Net operating income to assets
0.62%Return on assets (ROA)
0.82%Pretax return on assets
4.78%Return on equity (ROE)
3.92%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
72.73%Credit loss provision to net charge-offs
8.79%Efficiency ratio
75,192Assets per employee
5.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
17.91%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
30.08%Noncurrent assets plus other real estate owned to assets
3.64%Noncurrent loans to loans
6.64%Net loans and leases to deposits
60.64%Net loans and leases to core deposits
65.80%Equity capital to assets
13.09%Core capital (leverage) ratio
12.70%Tier 1 risk-based capital ratio
19.66%Total risk-based capital ratio
Memoranda
$21Average assets
$32,289Average earning assets
$4,206Average equity
$24,719Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7713
Ford County State Bank
322 N Main St, Spearville, KS 67876
January 01, 1902
Full Service Brick and Mortar
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