FDIC Certificate #: 17661 Status: Active Federal Reserve ID: 864855 Date Established: July 10, 1906 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11626 Numeric code: 21 Regulator: FDIC 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: September 14, 1956 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: Jayhawk Plaza On K-4, Healy, KS 67850 County: Lane 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: $72.6 mil Equity capital: $13.5 mil Deposits held in domestic offices: $56.2 mil Return on assets (ROA): 1.49% ($1.1 mil) Quarterly return on assets: 1.47% ($1.1 mil) Return on Equity (ROE): 7.81% ($1.1 mil) Quarterly return on equity: 7.70% ($1.1 mil) Net income: $1.0 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.57% ($1,139.6 mil) Quarterly Pretax return on assets: 1.81% ($1,313.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$72,588Total assets
$4,790Cash and due from depository institutions
$0Interest-bearing balances
$29,609Securities
$0Federal funds sold & reverse repurchase agreements
$35,452Net loans & leases
$584Loan loss allowance
$0Trading account assets
$183Bank premises and fixed assets
$243Other real estate owned
$0Goodwill and other intangibles
$72,588Life insurance assets
$2,311All other assets
$59,079Total liabilities and capital
$56,227Total liabilities
$48,915Total deposits
$56,227Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,739Trading liabilities
$0Other borrowed funds
$113Subordinated debt
$13,509All other liabilities
$13,509Total equity capital
$13,509Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,000Surplus
$12,409Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$77Income earned, not collected on loans
$0Earning assets
$691Long-term assets (5+ years)
$65,061Average Assets, year-to-date
$33,796Average Assets, quarterly
$67,401Volatile liabilities
$70,554Insider loans
$58,685FHLB advances
$69,768Loans and leases held for sale
$1,090Unused loan commitments
$1,090Tier 1 (core) risk-based capital
$12,236Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,566Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,197Total interest income
$616Total interest expense
$2,581Net interest income
$50Provision for loan and lease losses
-$183Total noninterest income
$0Fiduciary activities
$76Service charges on deposit accounts
$0Trading account gains & fees
-$259Additional noninterest income
$1,288Total noninterest expense
$894Salaries and employee benefits
$51Premises and equipment expense
$343Additional noninterest expense
$1,060Pre-tax net operating income
$0Securities gains (losses)
$59Applicable income taxes
$1,001Income before extraordinary items
$0Extraordinary gains - net
$1,001Net income attributable to bank
$0Net charge-offs
$1,001Cash dividends
-$33Sale, conversion, retirement of capital stock, net
$350Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.01%Cost of funding earning assets
4.22%Net interest margin
-0.30%Noninterest income to earning assets
2.11%Noninterest expense to earning assets
1.49%Net operating income to assets
1.49%Return on assets (ROA)
1.57%Pretax return on assets
7.81%Return on equity (ROE)
5.08%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
-151.52%Credit loss provision to net charge-offs
0.00%Efficiency ratio
53,711Assets per employee
8.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.97%Loss allowance to loans
1.62%Loss allowance to noncurrent loans
758.44%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.21%Net loans and leases to deposits
63.05%Net loans and leases to core deposits
68.49%Equity capital to assets
18.61%Core capital (leverage) ratio
17.54%Tier 1 risk-based capital ratio
20.85%Total risk-based capital ratio
Memoranda
$22Average assets
$67,401Average earning assets
$12,814Average equity
$61,090Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11626
The First State Bank Of Healy
Jayhawk Plaza On K-4, Healy, KS 67850
July 10, 1906
Full Service Brick and Mortar
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