FDIC Certificate #: 14315 Status: Active Federal Reserve ID: 670159 Date Established: July 23, 1924 WWW:http://www.bestbank.us 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 #: 8942 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: May 01, 1934 Last Structure Change Effective Date: July 01, 2009 Last Structure Change Process Date: July 10, 2009 Last Data Update: July 10, 2009 Data Source Date: April 05, 2012
Location
Address: 240 S Main St, Greensburg, KS 67054 County: Kiowa 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
Change in Location
Financial Summary
Total assets: $62.1 mil Equity capital: $10.7 mil Deposits held in domestic offices: $51.0 mil Return on assets (ROA): 1.44% ($0.9 mil) Quarterly return on assets: 1.75% ($1.1 mil) Return on Equity (ROE): 7.83% ($0.9 mil) Quarterly return on equity: 9.67% ($1.1 mil) Net income: $0.8 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.62% ($1,005.4 mil) Quarterly Pretax return on assets: 1.35% ($837.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$62,063Total assets
$8,205Cash and due from depository institutions
$0Interest-bearing balances
$42,890Securities
$0Federal funds sold & reverse repurchase agreements
$9,280Net loans & leases
$146Loan loss allowance
$0Trading account assets
$993Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$62,063Life insurance assets
$695All other assets
$51,410Total liabilities and capital
$51,006Total liabilities
$40,259Total deposits
$51,006Interest-bearing deposits
$69Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$404Subordinated debt
$10,653All other liabilities
$10,653Total equity capital
$10,653Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$400Surplus
$10,053Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$71Income earned, not collected on loans
$0Earning assets
$490Long-term assets (5+ years)
$52,170Average Assets, year-to-date
$22,248Average Assets, quarterly
$55,786Volatile liabilities
$58,632Insider loans
$19,938FHLB advances
$54,861Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,989Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$459Restructured Loans and leases
$296Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,084Total interest income
$258Total interest expense
$1,826Net interest income
$45Provision for loan and lease losses
$123Total noninterest income
$0Fiduciary activities
$93Service charges on deposit accounts
$0Trading account gains & fees
$30Additional noninterest income
$999Total noninterest expense
$619Salaries and employee benefits
$92Premises and equipment expense
$288Additional noninterest expense
$905Pre-tax net operating income
$0Securities gains (losses)
$101Applicable income taxes
$804Income before extraordinary items
$0Extraordinary gains - net
$804Net income attributable to bank
$0Net charge-offs
$804Cash dividends
$53Sale, conversion, retirement of capital stock, net
$250Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.19%Yield on earning assets
0.52%Cost of funding earning assets
3.68%Net interest margin
0.25%Noninterest income to earning assets
2.01%Noninterest expense to earning assets
1.44%Net operating income to assets
1.44%Return on assets (ROA)
1.62%Pretax return on assets
7.83%Return on equity (ROE)
5.40%Retained earnings to average equity (YTD only)
0.54%Net charge-offs to loans
84.91%Credit loss provision to net charge-offs
17.92%Efficiency ratio
51,257Assets per employee
6.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.09%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
205.63%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.75%Net loans and leases to deposits
18.19%Net loans and leases to core deposits
18.62%Equity capital to assets
17.16%Core capital (leverage) ratio
18.21%Tier 1 risk-based capital ratio
50.10%Total risk-based capital ratio
Memoranda
$51Average assets
$55,786Average earning assets
$10,266Average equity
$49,683Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8942
Greensburg State Bank
240 S Main St, Greensburg, KS 67054
July 23, 1924
Full Service Brick and Mortar
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