FDIC Certificate #: 15261 Status: Active Federal Reserve ID: 937759 Bank Holding Company (Regulatory Top Holder): Hugoton Bancshares, Inc. (RSSDID: 1059573, Location: Hugoton, KS) Date Established: April 01, 1913 WWW:http://www.csbks.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9608 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 22, 1935 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: 601 S. Main Street, Hugoton, KS 67951 County: Stevens 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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $125.1 mil Equity capital: $15.2 mil Deposits held in domestic offices: $109.3 mil Return on assets (ROA): 1.15% ($1.4 mil) Quarterly return on assets: 1.24% ($1.6 mil) Return on Equity (ROE): 9.31% ($1.4 mil) Quarterly return on equity: 9.54% ($1.4 mil) Net income: $1.4 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.52% ($1,902.1 mil) Quarterly Pretax return on assets: 1.61% ($2,014.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
33Total employees (full-time equivalent)
$125,138Total assets
$28,151Cash and due from depository institutions
$23,767Interest-bearing balances
$29,847Securities
$2,193Federal funds sold & reverse repurchase agreements
$60,233Net loans & leases
$940Loan loss allowance
$0Trading account assets
$1,675Bank premises and fixed assets
$644Other real estate owned
$2Goodwill and other intangibles
$125,138Life insurance assets
$2,393All other assets
$109,903Total liabilities and capital
$109,276Total liabilities
$84,466Total deposits
$109,276Interest-bearing deposits
$68Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$627Subordinated debt
$15,235All other liabilities
$15,235Total equity capital
$15,235Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$1,000Surplus
$13,835Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$1,628Long-term assets (5+ years)
$116,040Average Assets, year-to-date
$26,198Average Assets, quarterly
$118,114Volatile liabilities
$116,039Insider loans
$72,935FHLB advances
$109,372Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,447Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,685Restructured Loans and leases
$5,038Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,315Total interest income
$515Total interest expense
$4,800Net interest income
$49Provision for loan and lease losses
$327Total noninterest income
$3Fiduciary activities
$121Service charges on deposit accounts
$0Trading account gains & fees
$203Additional noninterest income
$3,278Total noninterest expense
$2,229Salaries and employee benefits
$430Premises and equipment expense
$619Additional noninterest expense
$1,800Pre-tax net operating income
$0Securities gains (losses)
$438Applicable income taxes
$1,362Income before extraordinary items
$0Extraordinary gains - net
$1,362Net income attributable to bank
$0Net charge-offs
$1,362Cash dividends
-$94Sale, conversion, retirement of capital stock, net
$1,100Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.83%Yield on earning assets
0.47%Cost of funding earning assets
4.36%Net interest margin
0.30%Noninterest income to earning assets
2.98%Noninterest expense to earning assets
1.15%Net operating income to assets
1.15%Return on assets (ROA)
1.52%Pretax return on assets
9.31%Return on equity (ROE)
1.79%Retained earnings to average equity (YTD only)
-0.15%Net charge-offs to loans
-52.13%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,760Assets per employee
3.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
80.76%Loss allowance to loans
1.54%Loss allowance to noncurrent loans
94000.00%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.00%Net loans and leases to deposits
55.12%Net loans and leases to core deposits
63.29%Equity capital to assets
12.17%Core capital (leverage) ratio
13.21%Tier 1 risk-based capital ratio
19.81%Total risk-based capital ratio
Memoranda
$21Average assets
$118,114Average earning assets
$14,622Average equity
$110,138Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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