FDIC Certificate #: 22173 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:Hillcrest Bank, National Association (#59015) Federal Reserve ID: 400253 Date Established: December 03, 1975 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 41 (Interstate: No) OTS Docket #: 12709 FDIC's unique #: 15404 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: December 03, 1975 Last Structure Change Effective Date: October 22, 2010 Last Structure Change Process Date: October 27, 2010 Last Data Update: October 27, 2010 Data Source Date: April 05, 2012
Location
Address: 11111 West 95th Street, Overland Park, KS 66214 County: Johnson 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: Western 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)
Financial Summary
Total assets: $1,583.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
187Total employees (full-time equivalent)
$1,766,482Total assets
$192,966Cash and due from depository institutions
$182,493Interest-bearing balances
$223,168Securities
$439Federal funds sold & reverse repurchase agreements
$1,226,507Net loans & leases
$33,870Loan loss allowance
$0Trading account assets
$5,858Bank premises and fixed assets
$65,158Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$52,386All other assets
$1,766,482Total liabilities and capital
$1,693,989Total liabilities
$1,590,997Total deposits
$1,502,809Interest-bearing deposits
$1,590,997Deposits held in domestic offices
92.91%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$90,874Other borrowed funds
$0Subordinated debt
$12,118All other liabilities
$72,493Total equity capital
$72,493Total bank equity capital
$72,493Perpetual preferred stock
$0Common stock
$750Surplus
$43,724Undivided profits
Memoranda
$28,019Noncurrent loans and leases
$82,654Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$158,734Earning assets
$0Long-term assets (5+ years)
$5,716Average Assets, year-to-date
$1,632,607Average Assets, quarterly
$81,220Volatile liabilities
$1,864,477Insider loans
$1,828,425FHLB advances
$479,129Loans and leases held for sale
$16,618Unused loan commitments
$90,622Tier 1 (core) risk-based capital
$4,993Tier 2 risk-based capital
$3,386Total risk weighted assets
$82,654Total unused commitments
$7,611Restructured Loans and leases
$17,861Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$86,982Total interest income
$51,724Total interest expense
$35,258Net interest income
$114,620Provision for loan and lease losses
$5,099Total noninterest income
$0Fiduciary activities
$2,154Service charges on deposit accounts
$0Trading account gains & fees
$2,945Additional noninterest income
$41,028Total noninterest expense
$12,894Salaries and employee benefits
$4,868Premises and equipment expense
$23,266Additional noninterest expense
-$115,291Pre-tax net operating income
$3,553Securities gains (losses)
-$28,269Applicable income taxes
-$83,469Income before extraordinary items
$0Extraordinary gains - net
-$83,469Net income attributable to bank
$0Net charge-offs
-$83,469Cash dividends
$102,338Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
2.91%Cost of funding earning assets
1.98%Net interest margin
0.29%Noninterest income to earning assets
2.31%Noninterest expense to earning assets
-4.62%Net operating income to assets
-4.48%Return on assets (ROA)
-5.99%Pretax return on assets
-65.44%Return on equity (ROE)
-66.22%Retained earnings to average equity (YTD only)
7.13%Net charge-offs to loans
112.00%Credit loss provision to net charge-offs
-0.01%Efficiency ratio
97,770Assets per employee
9.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
-1.20%Loss allowance to loans
2.69%Loss allowance to noncurrent loans
21.34%Noncurrent assets plus other real estate owned to assets
12.67%Noncurrent loans to loans
12.59%Net loans and leases to deposits
77.09%Net loans and leases to core deposits
108.82%Equity capital to assets
4.10%Core capital (leverage) ratio
3.88%Tier 1 risk-based capital ratio
5.15%Total risk-based capital ratio
Memoranda
$6Average assets
$1,864,477Average earning assets
$127,559Average equity
$1,777,721Average loans
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