FDIC Certificate #: 4774 Status: Active Federal Reserve ID: 197254 Bank Holding Company (Regulatory Top Holder): Spearville Bancshares, Inc. (RSSDID: 3391642, Location: Spearville, KS) Date Established: Febuary 18, 1908 WWW:http://www.fnbspearville.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 #: 3187 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: No 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: 401 North Main St, Spearville, KS 67876 County: Ford 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 Core Based Statistical Area (CBSA): Dodge City, KS (#19980) CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Change in Location
Financial Summary
Total assets: $30.0 mil Equity capital: $5.1 mil Deposits held in domestic offices: $24.7 mil Return on assets (ROA): 0.96% ($0.3 mil) Quarterly return on assets: 1.36% ($0.4 mil) Return on Equity (ROE): 5.81% ($0.3 mil) Quarterly return on equity: 7.90% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.50% ($449.7 mil) Quarterly Pretax return on assets: 2.31% ($692.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$29,982Total assets
$3,103Cash and due from depository institutions
$2,315Interest-bearing balances
$6,358Securities
$1,300Federal funds sold & reverse repurchase agreements
$17,012Net loans & leases
$348Loan loss allowance
$0Trading account assets
$314Bank premises and fixed assets
$0Other real estate owned
$1,279Goodwill and other intangibles
$29,982Life insurance assets
$616All other assets
$24,897Total liabilities and capital
$24,702Total liabilities
$20,392Total deposits
$24,702Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$121Trading liabilities
$0Other borrowed funds
$74Subordinated debt
$5,085All other liabilities
$5,085Total equity capital
$5,085Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$4,562Surplus
$463Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$332Income earned, not collected on loans
$234Earning assets
$353Long-term assets (5+ years)
$26,985Average Assets, year-to-date
$999Average Assets, quarterly
$30,366Volatile liabilities
$29,622Insider loans
$18,223FHLB advances
$28,721Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,806Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,515Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,155Total interest income
$205Total interest expense
$950Net interest income
$0Provision for loan and lease losses
$328Total noninterest income
$0Fiduciary activities
$45Service charges on deposit accounts
$0Trading account gains & fees
$283Additional noninterest income
$822Total noninterest expense
$348Salaries and employee benefits
$178Premises and equipment expense
$296Additional noninterest expense
$456Pre-tax net operating income
-$2Securities gains (losses)
$161Applicable income taxes
$293Income before extraordinary items
$0Extraordinary gains - net
$293Net income attributable to bank
$0Net charge-offs
$293Cash dividends
-$68Sale, conversion, retirement of capital stock, net
$158Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.20%Yield on earning assets
0.75%Cost of funding earning assets
3.46%Net interest margin
1.19%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
0.97%Net operating income to assets
0.96%Return on assets (ROA)
1.50%Pretax return on assets
5.81%Return on equity (ROE)
2.68%Retained earnings to average equity (YTD only)
-0.40%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
61,659Assets per employee
5.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.92%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
104.82%Noncurrent assets plus other real estate owned to assets
1.11%Noncurrent loans to loans
1.91%Net loans and leases to deposits
68.87%Net loans and leases to core deposits
70.31%Equity capital to assets
16.96%Core capital (leverage) ratio
13.25%Tier 1 risk-based capital ratio
20.89%Total risk-based capital ratio
Memoranda
$22Average assets
$30,366Average earning assets
$5,045Average equity
$27,476Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3187
The First National Bank Of Spearvill
401 North Main St, Spearville, KS 67876
Febuary 18, 1908
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The First National Bank of Spearville.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: