FDIC Certificate #: 10503 Status: Active Federal Reserve ID: 275657 Bank Holding Company (Regulatory Top Holder): Beutler, Inc. (RSSDID: 1059591, Location: Ness City, KS) Date Established: January 01, 1916 WWW:http://www.fsbnesscity.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6723 Numeric code: 13 Regulator: FED 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: 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: 206 N. Pennsylvania Ave., Ness City, KS 67560 County: Ness 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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $65.1 mil Equity capital: $9.5 mil Deposits held in domestic offices: $55.5 mil Return on assets (ROA): 1.47% ($1.0 mil) Quarterly return on assets: 0.48% ($0.3 mil) Return on Equity (ROE): 9.95% ($0.9 mil) Quarterly return on equity: 3.13% ($0.3 mil) Net income: $0.9 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.54% ($1,002.5 mil) Quarterly Pretax return on assets: 0.55% ($358.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$65,096Total assets
$4,525Cash and due from depository institutions
$1,329Interest-bearing balances
$32,694Securities
$6,000Federal funds sold & reverse repurchase agreements
$20,747Net loans & leases
$757Loan loss allowance
$0Trading account assets
$428Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$65,096Life insurance assets
$702All other assets
$55,631Total liabilities and capital
$55,513Total liabilities
$43,835Total deposits
$55,513Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$118Subordinated debt
$9,465All other liabilities
$9,465Total equity capital
$9,465Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$800Surplus
$8,365Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$26Income earned, not collected on loans
$0Earning assets
$608Long-term assets (5+ years)
$60,770Average Assets, year-to-date
$23,334Average Assets, quarterly
$59,087Volatile liabilities
$61,309Insider loans
$36,530FHLB advances
$60,022Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,226Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,598Restructured Loans and leases
$490Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,383Total interest income
$297Total interest expense
$2,086Net interest income
$72Provision for loan and lease losses
$139Total noninterest income
$0Fiduciary activities
$91Service charges on deposit accounts
$0Trading account gains & fees
$48Additional noninterest income
$1,248Total noninterest expense
$804Salaries and employee benefits
$110Premises and equipment expense
$334Additional noninterest expense
$905Pre-tax net operating income
$6Securities gains (losses)
$40Applicable income taxes
$871Income before extraordinary items
$0Extraordinary gains - net
$871Net income attributable to bank
$0Net charge-offs
$871Cash dividends
$7Sale, conversion, retirement of capital stock, net
$381Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.41%Yield on earning assets
0.55%Cost of funding earning assets
3.86%Net interest margin
0.26%Noninterest income to earning assets
2.31%Noninterest expense to earning assets
1.46%Net operating income to assets
1.47%Return on assets (ROA)
1.54%Pretax return on assets
9.95%Return on equity (ROE)
5.60%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
1028.57%Credit loss provision to net charge-offs
139.57%Efficiency ratio
56,090Assets per employee
6.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.74%Loss allowance to loans
3.52%Loss allowance to noncurrent loans
2911.54%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.12%Net loans and leases to deposits
37.37%Net loans and leases to core deposits
38.55%Equity capital to assets
14.54%Core capital (leverage) ratio
13.70%Tier 1 risk-based capital ratio
22.52%Total risk-based capital ratio
Memoranda
$24Average assets
$59,087Average earning assets
$8,753Average equity
$54,022Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6723
The First State Bank
206 N. Pennsylvania Ave., Ness City, KS 67560
January 01, 1916
Full Service Brick and Mortar
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