FDIC Certificate #: 13578 Status: Active Federal Reserve ID: 370758 Bank Holding Company (Regulatory Top Holder): Whitewater Bancshares, Inc. (RSSDID: 2293655, Location: Whitewater, KS) Date Established: April 03, 1891 WWW:http://www.bankofwhitewater.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 #: 8487 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 08, 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: 126 South Main Street, Whitewater, KS 67154 County: Butler 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 Metropolitan Statistical Area (MSA): Wichita, KS (#9040) Combined Statistical Area (CSA): Wichita-Winfield, KS (#556) Core Based Statistical Area (CBSA): Wichita, KS (#48620) CBSA Metro Statistical Area: Wichita, KS (#48620)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.8 mil Equity capital: $1.5 mil Deposits held in domestic offices: $17.3 mil Return on assets (ROA): 0.35% ($0.1 mil) Quarterly return on assets: 0.29% ($0.1 mil) Return on Equity (ROE): 3.98% ($0.1 mil) Quarterly return on equity: 3.37% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.40% ($75.3 mil) Quarterly Pretax return on assets: 0.33% ($62.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$18,832Total assets
$2,411Cash and due from depository institutions
$1,740Interest-bearing balances
$4,758Securities
$778Federal funds sold & reverse repurchase agreements
$10,683Net loans & leases
$359Loan loss allowance
$0Trading account assets
$37Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,832Life insurance assets
$165All other assets
$17,284Total liabilities and capital
$17,276Total liabilities
$13,073Total deposits
$17,276Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$8Subordinated debt
$1,548All other liabilities
$1,548Total equity capital
$1,548Total bank equity capital
$0Perpetual preferred stock
$140Common stock
$680Surplus
$728Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$47Income earned, not collected on loans
$0Earning assets
$125Long-term assets (5+ years)
$17,959Average Assets, year-to-date
$776Average Assets, quarterly
$17,388Volatile liabilities
$17,925Insider loans
$10,980FHLB advances
$18,028Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,548Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,629Restructured Loans and leases
$71Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$898Total interest income
$88Total interest expense
$810Net interest income
$235Provision for loan and lease losses
$81Total noninterest income
$0Fiduciary activities
$80Service charges on deposit accounts
$0Trading account gains & fees
$1Additional noninterest income
$587Total noninterest expense
$315Salaries and employee benefits
$32Premises and equipment expense
$240Additional noninterest expense
$69Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
$61Income before extraordinary items
$0Extraordinary gains - net
$61Net income attributable to bank
$0Net charge-offs
$61Cash dividends
$142Sale, conversion, retirement of capital stock, net
$39Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.41%Yield on earning assets
0.53%Cost of funding earning assets
4.88%Net interest margin
0.49%Noninterest income to earning assets
3.54%Noninterest expense to earning assets
0.35%Net operating income to assets
0.35%Return on assets (ROA)
0.40%Pretax return on assets
3.98%Return on equity (ROE)
1.44%Retained earnings to average equity (YTD only)
1.28%Net charge-offs to loans
165.49%Credit loss provision to net charge-offs
2.14%Efficiency ratio
65,881Assets per employee
3.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.93%Loss allowance to loans
3.25%Loss allowance to noncurrent loans
763.83%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.43%Net loans and leases to deposits
61.84%Net loans and leases to core deposits
64.85%Equity capital to assets
8.22%Core capital (leverage) ratio
8.59%Tier 1 risk-based capital ratio
14.10%Total risk-based capital ratio
Memoranda
$15Average assets
$17,388Average earning assets
$1,532Average equity
$16,589Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8487
The Bank Of Whitewater
126 South Main Street, Whitewater, KS 67154
April 03, 1891
Full Service Brick and Mortar
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