FDIC Certificate #: 14084 Status: Active Federal Reserve ID: 592859 Bank Holding Company (Regulatory Top Holder): Ramona Bankshares, Inc. (RSSDID: 1063132, Location: Hillsboro, KS) Date Established: March 06, 1903 WWW:http://www.hsbks.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 #: 8804 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: March 21, 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: 200 North Main Street, Hillsboro, KS 67063 County: Marion 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $14.4 mil Equity capital: $1.4 mil Deposits held in domestic offices: $13.0 mil Return on assets (ROA): 0.24% ($0.0 mil) Quarterly return on assets: 0.68% ($0.1 mil) Return on Equity (ROE): 2.51% ($0.0 mil) Quarterly return on equity: 6.94% ($0.1 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.26% ($37.4 mil) Quarterly Pretax return on assets: 0.62% ($89.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$14,395Total assets
$2,799Cash and due from depository institutions
$2,099Interest-bearing balances
$2,453Securities
$680Federal funds sold & reverse repurchase agreements
$7,826Net loans & leases
$141Loan loss allowance
$0Trading account assets
$236Bank premises and fixed assets
$60Other real estate owned
$0Goodwill and other intangibles
$14,395Life insurance assets
$341All other assets
$13,009Total liabilities and capital
$12,961Total liabilities
$9,587Total deposits
$12,961Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$48Subordinated debt
$1,386All other liabilities
$1,386Total equity capital
$1,386Total bank equity capital
$0Perpetual preferred stock
$125Common stock
$361Surplus
$900Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$25Income earned, not collected on loans
$0Earning assets
$64Long-term assets (5+ years)
$13,058Average Assets, year-to-date
$3,481Average Assets, quarterly
$14,344Volatile liabilities
$14,164Insider loans
$8,676FHLB advances
$14,661Loans and leases held for sale
$165Unused loan commitments
$165Tier 1 (core) risk-based capital
$1,380Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$678Restructured Loans and leases
$149Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$544Total interest income
$56Total interest expense
$488Net interest income
$5Provision for loan and lease losses
$115Total noninterest income
$0Fiduciary activities
$67Service charges on deposit accounts
$0Trading account gains & fees
$48Additional noninterest income
$561Total noninterest expense
$288Salaries and employee benefits
$97Premises and equipment expense
$176Additional noninterest expense
$37Pre-tax net operating income
$0Securities gains (losses)
$3Applicable income taxes
$34Income before extraordinary items
$0Extraordinary gains - net
$34Net income attributable to bank
$0Net charge-offs
$34Cash dividends
$7Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.24%Yield on earning assets
0.44%Cost of funding earning assets
3.80%Net interest margin
0.90%Noninterest income to earning assets
4.37%Noninterest expense to earning assets
0.24%Net operating income to assets
0.24%Return on assets (ROA)
0.26%Pretax return on assets
2.51%Return on equity (ROE)
2.51%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
71.43%Credit loss provision to net charge-offs
6.00%Efficiency ratio
93,035Assets per employee
2.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.77%Loss allowance to noncurrent loans
564.00%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.31%Net loans and leases to deposits
60.38%Net loans and leases to core deposits
63.07%Equity capital to assets
9.63%Core capital (leverage) ratio
9.41%Tier 1 risk-based capital ratio
15.91%Total risk-based capital ratio
Memoranda
$17Average assets
$14,344Average earning assets
$1,356Average equity
$12,830Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8804
Hillsboro State Bank
200 North Main Street, Hillsboro, KS 67063
March 06, 1903
Full Service Brick and Mortar
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