FDIC Certificate #: 15110 Status: Active Federal Reserve ID: 992057 Bank Holding Company (Regulatory Top Holder): Equity Bancshares, Inc. (RSSDID: 3180547, Location: Wichita, KS) Date Established: August 31, 1889 WWW:http://www.signaturebankkc.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) OTS Docket #: 52583 FDIC's unique #: 9485 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: May 01, 1935 Last Structure Change Effective Date: December 01, 2010 Last Structure Change Process Date: December 03, 2010 Last Data Update: December 03, 2010 Data Source Date: April 05, 2012
Location
Address: 501 Main Street, Haddam, KS 66944 County: Washington 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
History of Changes
Name Change
Financial Summary
Total assets: $5.4 mil Equity capital: $0.9 mil Deposits held in domestic offices: $4.5 mil Return on assets (ROA): 1.25% ($0.1 mil) Quarterly return on assets: 1.03% ($0.1 mil) Return on Equity (ROE): 8.16% ($0.1 mil) Quarterly return on equity: 6.39% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.61% ($87.5 mil) Quarterly Pretax return on assets: 1.48% ($80.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
2Total employees (full-time equivalent)
$5,435Total assets
$178Cash and due from depository institutions
$115Interest-bearing balances
$983Securities
$4Federal funds sold & reverse repurchase agreements
$3,959Net loans & leases
$45Loan loss allowance
$0Trading account assets
$12Bank premises and fixed assets
$0Other real estate owned
$239Goodwill and other intangibles
$5,435Life insurance assets
$60All other assets
$4,553Total liabilities and capital
$4,489Total liabilities
$4,054Total deposits
$4,489Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$64Subordinated debt
$882All other liabilities
$882Total equity capital
$882Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$693Surplus
$149Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$22Long-term assets (5+ years)
$5,061Average Assets, year-to-date
$1,399Average Assets, quarterly
$5,534Volatile liabilities
$5,422Insider loans
$4,627FHLB advances
$5,216Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$632Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$300Total interest income
$50Total interest expense
$250Net interest income
$2Provision for loan and lease losses
$6Total noninterest income
$0Fiduciary activities
$5Service charges on deposit accounts
$0Trading account gains & fees
$1Additional noninterest income
$168Total noninterest expense
$60Salaries and employee benefits
$6Premises and equipment expense
$102Additional noninterest expense
$86Pre-tax net operating income
$3Securities gains (losses)
$20Applicable income taxes
$69Income before extraordinary items
$0Extraordinary gains - net
$69Net income attributable to bank
$0Net charge-offs
$69Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.83%Yield on earning assets
0.97%Cost of funding earning assets
4.86%Net interest margin
0.12%Noninterest income to earning assets
3.27%Noninterest expense to earning assets
1.20%Net operating income to assets
1.25%Return on assets (ROA)
1.61%Pretax return on assets
8.16%Return on equity (ROE)
8.16%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,891Assets per employee
2.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
88.19%Net loans and leases to core deposits
88.19%Equity capital to assets
16.23%Core capital (leverage) ratio
12.12%Tier 1 risk-based capital ratio
13.66%Total risk-based capital ratio
Memoranda
$15Average assets
$5,534Average earning assets
$846Average equity
$5,143Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9485
Signature Bank
501 Main Street, Haddam, KS 66944
August 31, 1889
Full Service Brick and Mortar
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