FDIC Certificate #: 17652 Status: Active Federal Reserve ID: 359650 Bank Holding Company (Regulatory Top Holder): Alden Bancshares, Inc. (RSSDID: 1063749, Location: Sterling, KS) Date Established: January 01, 1904 WWW:http://www.aldenst8.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 #: 11617 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: August 30, 1956 Last Structure Change Effective Date: March 01, 2012 Last Structure Change Process Date: March 01, 2012 Last Data Update: March 01, 2012 Data Source Date: April 05, 2012
Location
Address: 124 North Broadway Avenue, Sterling, KS 67579 County: Rice 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
Financial Summary
Total assets: $19.7 mil Equity capital: $2.1 mil Deposits held in domestic offices: $17.5 mil Return on assets (ROA): 0.34% ($0.1 mil) Quarterly return on assets: 0.08% ($0.0 mil) Return on Equity (ROE): 3.20% ($0.1 mil) Quarterly return on equity: 0.75% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.41% ($80.7 mil) Quarterly Pretax return on assets: 0.10% ($19.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$19,672Total assets
$2,432Cash and due from depository institutions
$715Interest-bearing balances
$3,383Securities
$4,500Federal funds sold & reverse repurchase agreements
$8,879Net loans & leases
$183Loan loss allowance
$0Trading account assets
$224Bank premises and fixed assets
$90Other real estate owned
$0Goodwill and other intangibles
$19,672Life insurance assets
$164All other assets
$17,548Total liabilities and capital
$17,463Total liabilities
$14,350Total deposits
$17,463Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$85Subordinated debt
$2,124All other liabilities
$2,124Total equity capital
$2,124Total bank equity capital
$5Perpetual preferred stock
$50Common stock
$413Surplus
$1,656Undivided 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
$88Long-term assets (5+ years)
$17,477Average Assets, year-to-date
$4,573Average Assets, quarterly
$19,382Volatile liabilities
$19,359Insider loans
$10,026FHLB advances
$19,774Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,061Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$616Restructured Loans and leases
$379Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$791Total interest income
$145Total interest expense
$646Net interest income
$0Provision for loan and lease losses
$74Total noninterest income
$0Fiduciary activities
$49Service charges on deposit accounts
$0Trading account gains & fees
$25Additional noninterest income
$675Total noninterest expense
$379Salaries and employee benefits
$49Premises and equipment expense
$247Additional noninterest expense
$45Pre-tax net operating income
$34Securities gains (losses)
$13Applicable income taxes
$66Income before extraordinary items
$0Extraordinary gains - net
$66Net income attributable to bank
$0Net charge-offs
$66Cash dividends
$0Sale, conversion, retirement of capital stock, net
$5Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.63%Yield on earning assets
0.85%Cost of funding earning assets
3.78%Net interest margin
0.43%Noninterest income to earning assets
3.95%Noninterest expense to earning assets
0.19%Net operating income to assets
0.34%Return on assets (ROA)
0.41%Pretax return on assets
3.20%Return on equity (ROE)
2.95%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
93,750Assets per employee
3.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
7.58%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.00%Net loans and leases to deposits
50.84%Net loans and leases to core deposits
54.12%Equity capital to assets
10.80%Core capital (leverage) ratio
10.42%Tier 1 risk-based capital ratio
20.56%Total risk-based capital ratio
Memoranda
$22Average assets
$19,382Average earning assets
$2,066Average equity
$17,071Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11617
The Alden State Bank
124 North Broadway Avenue, Sterling, KS 67579
January 01, 1904
Full Service Brick and Mortar
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