FDIC Certificate #: 4656 Status: Active Federal Reserve ID: 915252 Bank Holding Company (Regulatory Top Holder): Downs Bancshares, Inc. (RSSDID: 1056862, Location: Downs, KS) Date Established: January 01, 1919 WWW:http://www.downsnational.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3093 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 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: 800 Morgan Avenue, Downs, KS 67437 County: Osborne 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
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $17.9 mil Equity capital: $1.8 mil Deposits held in domestic offices: $16.0 mil Return on assets (ROA): 0.50% ($0.1 mil) Quarterly return on assets: 0.75% ($0.1 mil) Return on Equity (ROE): 5.00% ($0.1 mil) Quarterly return on equity: 7.21% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.52% ($92.9 mil) Quarterly Pretax return on assets: 0.77% ($137.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$17,867Total assets
$4,995Cash and due from depository institutions
$3,725Interest-bearing balances
$6,118Securities
$4Federal funds sold & reverse repurchase agreements
$6,457Net loans & leases
$167Loan loss allowance
$0Trading account assets
$35Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$17,867Life insurance assets
$258All other assets
$16,055Total liabilities and capital
$15,995Total liabilities
$12,624Total deposits
$15,995Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$60Subordinated debt
$1,812All other liabilities
$1,812Total equity capital
$1,812Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$100Surplus
$1,612Undivided 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
$172Long-term assets (5+ years)
$16,304Average Assets, year-to-date
$2,338Average Assets, quarterly
$17,793Volatile liabilities
$17,620Insider loans
$7,866FHLB advances
$17,746Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,697Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$274Restructured Loans and leases
$136Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$637Total interest income
$76Total interest expense
$561Net interest income
$0Provision for loan and lease losses
$66Total noninterest income
$0Fiduciary activities
$53Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$535Total noninterest expense
$249Salaries and employee benefits
$43Premises and equipment expense
$243Additional noninterest expense
$92Pre-tax net operating income
$0Securities gains (losses)
$3Applicable income taxes
$89Income before extraordinary items
$0Extraordinary gains - net
$89Net income attributable to bank
$0Net charge-offs
$89Cash dividends
-$5Sale, conversion, retirement of capital stock, net
$67Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.98%Yield on earning assets
0.47%Cost of funding earning assets
3.50%Net interest margin
0.41%Noninterest income to earning assets
3.34%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.52%Pretax return on assets
5.00%Return on equity (ROE)
1.24%Retained earnings to average equity (YTD only)
-0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
85,327Assets per employee
2.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.28%Loss allowance to loans
2.52%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
40.37%Net loans and leases to core deposits
40.37%Equity capital to assets
10.14%Core capital (leverage) ratio
9.56%Tier 1 risk-based capital ratio
21.57%Total risk-based capital ratio
Memoranda
$23Average assets
$17,793Average earning assets
$1,779Average equity
$16,016Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3093
The Downs National Bank
800 Morgan Avenue, Downs, KS 67437
January 01, 1919
Full Service Brick and Mortar
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