FDIC Certificate #: 4672 Status: Active Federal Reserve ID: 743053 Bank Holding Company (Regulatory Top Holder): Mid-America Bancshares, Inc. (RSSDID: 1051269, Location: Girard, KS) Date Established: January 01, 1878 WWW:http://www.fnbgirard.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 #: 3104 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: 201 South Summit, Girard, KS 66743 County: Crawford Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Pittsburg, KS (#38260) CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $72.1 mil Equity capital: $7.9 mil Deposits held in domestic offices: $60.0 mil Return on assets (ROA): 1.25% ($0.9 mil) Quarterly return on assets: 1.05% ($0.8 mil) Return on Equity (ROE): 11.54% ($0.9 mil) Quarterly return on equity: 9.44% ($0.8 mil) Net income: $0.9 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.30% ($937.6 mil) Quarterly Pretax return on assets: 1.09% ($786.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$72,121Total assets
$1,595Cash and due from depository institutions
$452Interest-bearing balances
$25,309Securities
$3,225Federal funds sold & reverse repurchase agreements
$40,132Net loans & leases
$788Loan loss allowance
$0Trading account assets
$523Bank premises and fixed assets
$42Other real estate owned
$0Goodwill and other intangibles
$72,121Life insurance assets
$1,295All other assets
$64,195Total liabilities and capital
$59,953Total liabilities
$49,302Total deposits
$59,953Interest-bearing deposits
$84Deposits held in domestic offices
600.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,459Trading liabilities
$0Other borrowed funds
$183Subordinated debt
$7,926All other liabilities
$7,926Total equity capital
$7,926Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$450Surplus
$7,076Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$525Income earned, not collected on loans
$0Earning assets
$658Long-term assets (5+ years)
$69,118Average Assets, year-to-date
$13,384Average Assets, quarterly
$72,108Volatile liabilities
$71,464Insider loans
$41,551FHLB advances
$70,642Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,811Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,005Restructured Loans and leases
$110Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,111Total interest income
$632Total interest expense
$2,479Net interest income
$180Provision for loan and lease losses
$318Total noninterest income
$0Fiduciary activities
$206Service charges on deposit accounts
$0Trading account gains & fees
$112Additional noninterest income
$1,678Total noninterest expense
$910Salaries and employee benefits
$191Premises and equipment expense
$577Additional noninterest expense
$939Pre-tax net operating income
$0Securities gains (losses)
$36Applicable income taxes
$903Income before extraordinary items
$0Extraordinary gains - net
$903Net income attributable to bank
$0Net charge-offs
$903Cash dividends
$138Sale, conversion, retirement of capital stock, net
$690Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
0.91%Cost of funding earning assets
3.58%Net interest margin
0.46%Noninterest income to earning assets
2.42%Noninterest expense to earning assets
1.25%Net operating income to assets
1.25%Return on assets (ROA)
1.30%Pretax return on assets
11.54%Return on equity (ROE)
2.72%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
130.43%Credit loss provision to net charge-offs
8.11%Efficiency ratio
59,993Assets per employee
5.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.41%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
150.10%Noncurrent assets plus other real estate owned to assets
0.79%Noncurrent loans to loans
1.28%Net loans and leases to deposits
66.94%Net loans and leases to core deposits
73.70%Equity capital to assets
10.99%Core capital (leverage) ratio
11.06%Tier 1 risk-based capital ratio
18.80%Total risk-based capital ratio
Memoranda
$20Average assets
$72,108Average earning assets
$7,825Average equity
$69,318Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3104
The First National Bank Of Girard
201 South Summit, Girard, KS 66743
January 01, 1878
Full Service Brick and Mortar
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