FDIC Certificate #: 4690 Status: Active Federal Reserve ID: 870856 Bank Holding Company (Regulatory Top Holder): Hope Bancshares, Inc. (RSSDID: 1472079, Location: Hope, KS) Date Established: January 01, 1923 WWW:http://www.fnbks.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 #: 3118 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: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 112 North Main Street, Hope, KS 67451 County: Dickinson 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
Change in Location
Financial Summary
Total assets: $48.7 mil Equity capital: $6.6 mil Deposits held in domestic offices: $38.0 mil Return on assets (ROA): 1.63% ($0.8 mil) Quarterly return on assets: 1.73% ($0.8 mil) Return on Equity (ROE): 12.37% ($0.9 mil) Quarterly return on equity: 12.61% ($0.9 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.70% ($828.5 mil) Quarterly Pretax return on assets: 1.82% ($886.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$48,733Total assets
$973Cash and due from depository institutions
$0Interest-bearing balances
$9,101Securities
$0Federal funds sold & reverse repurchase agreements
$36,175Net loans & leases
$722Loan loss allowance
$0Trading account assets
$351Bank premises and fixed assets
$61Other real estate owned
$0Goodwill and other intangibles
$48,733Life insurance assets
$2,072All other assets
$42,136Total liabilities and capital
$37,968Total liabilities
$31,628Total deposits
$37,968Interest-bearing deposits
$99Deposits held in domestic offices
400.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,378Trading liabilities
$0Other borrowed funds
$390Subordinated debt
$6,597All other liabilities
$6,597Total equity capital
$6,597Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$100Surplus
$6,397Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$748Income earned, not collected on loans
$0Earning assets
$404Long-term assets (5+ years)
$45,276Average Assets, year-to-date
$8,115Average Assets, quarterly
$47,299Volatile liabilities
$47,912Insider loans
$47,834FHLB advances
$47,752Loans and leases held for sale
$1,134Unused loan commitments
$1,134Tier 1 (core) risk-based capital
$6,194Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,256Restructured Loans and leases
$883Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,186Total interest income
$404Total interest expense
$1,782Net interest income
$0Provision for loan and lease losses
$253Total noninterest income
$0Fiduciary activities
$88Service charges on deposit accounts
$0Trading account gains & fees
$165Additional noninterest income
$1,272Total noninterest expense
$804Salaries and employee benefits
$155Premises and equipment expense
$313Additional noninterest expense
$763Pre-tax net operating income
$43Securities gains (losses)
$35Applicable income taxes
$771Income before extraordinary items
$0Extraordinary gains - net
$771Net income attributable to bank
$0Net charge-offs
$771Cash dividends
-$43Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
0.97%Cost of funding earning assets
4.26%Net interest margin
0.61%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
1.54%Net operating income to assets
1.63%Return on assets (ROA)
1.70%Pretax return on assets
12.37%Return on equity (ROE)
7.56%Retained earnings to average equity (YTD only)
-0.13%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,506Assets per employee
4.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.91%Loss allowance to loans
1.96%Loss allowance to noncurrent loans
96.52%Noncurrent assets plus other real estate owned to assets
1.66%Noncurrent loans to loans
2.03%Net loans and leases to deposits
95.28%Net loans and leases to core deposits
97.89%Equity capital to assets
13.54%Core capital (leverage) ratio
12.97%Tier 1 risk-based capital ratio
12.95%Total risk-based capital ratio
Memoranda
$14Average assets
$47,299Average earning assets
$6,231Average equity
$41,811Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3118
The First National Bank Of Hope
112 North Main Street, Hope, KS 67451
January 01, 1923
Full Service Brick and Mortar
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