FDIC Certificate #: 58124 Status: Active Federal Reserve ID: 3352399 Date Established: May 01, 2006 WWW:http://www.hrblockbank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 18001 FDIC's unique #: 440157 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Consumer Lending Specialization Date of Deposit Insurance: May 01, 2006 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: One H & R Block Way, Kansas City, MO 64105 County: Jackson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $1,565.7 mil Equity capital: $402.5 mil Deposits held in domestic offices: $1,096.5 mil Return on assets (ROA): 0.90% ($14.1 mil) Quarterly return on assets: -0.95% (-$14.9 mil) Return on Equity (ROE): 3.28% ($13.2 mil) Quarterly return on equity: -3.17% (-$12.7 mil) Net income: $13.3 mil Quarterly Net income: -$3.2 mil Pretax return on assets: 1.55% ($24,269.1 mil) Quarterly Pretax return on assets: -1.57% (-$24,582.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
63Total employees (full-time equivalent)
$1,565,747Total assets
$334,574Cash and due from depository institutions
$333,079Interest-bearing balances
$312,427Securities
$1,087Federal funds sold & reverse repurchase agreements
$841,312Net loans & leases
$26,156Loan loss allowance
$0Trading account assets
$1Bank premises and fixed assets
$5,165Other real estate owned
$0Goodwill and other intangibles
$1,565,747Life insurance assets
$71,181All other assets
$1,163,249Total liabilities and capital
$1,096,510Total liabilities
$1,051,400Total deposits
$1,096,510Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$25,000Trading liabilities
$0Other borrowed funds
$41,739Subordinated debt
$402,498All other liabilities
$402,498Total equity capital
$402,498Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$399,186Surplus
$3,311Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$99,377Income earned, not collected on loans
$0Earning assets
$6,660Long-term assets (5+ years)
$1,487,905Average Assets, year-to-date
$0Average Assets, quarterly
$1,480,922Volatile liabilities
$1,351,238Insider loans
$842,583FHLB advances
$1,563,687Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$400,438Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,007Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$109,681Total interest income
$8,347Total interest expense
$101,334Net interest income
$31,121Provision for loan and lease losses
$27,925Total noninterest income
$0Fiduciary activities
$107Service charges on deposit accounts
$0Trading account gains & fees
$27,818Additional noninterest income
$75,201Total noninterest expense
$7,507Salaries and employee benefits
$45,121Premises and equipment expense
$22,573Additional noninterest expense
$22,937Pre-tax net operating income
$0Securities gains (losses)
$9,639Applicable income taxes
$13,298Income before extraordinary items
$0Extraordinary gains - net
$13,298Net income attributable to bank
$0Net charge-offs
$13,298Cash dividends
$39,084Sale, conversion, retirement of capital stock, net
$225,000Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.79%Yield on earning assets
0.59%Cost of funding earning assets
7.20%Net interest margin
1.98%Noninterest income to earning assets
5.34%Noninterest expense to earning assets
0.90%Net operating income to assets
0.90%Return on assets (ROA)
1.55%Pretax return on assets
3.28%Return on equity (ROE)
-52.25%Retained earnings to average equity (YTD only)
5.34%Net charge-offs to loans
79.63%Credit loss provision to net charge-offs
1.38%Efficiency ratio
58,179Assets per employee
24.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
1691.98%Loss allowance to loans
3.02%Loss allowance to noncurrent loans
26.32%Noncurrent assets plus other real estate owned to assets
6.68%Noncurrent loans to loans
11.46%Net loans and leases to deposits
76.73%Net loans and leases to core deposits
155.98%Equity capital to assets
25.71%Core capital (leverage) ratio
25.61%Tier 1 risk-based capital ratio
47.53%Total risk-based capital ratio
Memoranda
$49Average assets
$1,480,922Average earning assets
$405,177Average equity
$1,408,242Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
440157
H&R Block Bank
One H & R Block Way, Kansas City, MO 64105
May 01, 2006
Full Service Brick and Mortar
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