FDIC Certificate #: 4688 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:The Wilson State Bank (#12136) Federal Reserve ID: 867454 Date Established: January 01, 1911 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) OTS Docket #: 14029 FDIC's unique #: 3117 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 17, 2010 Last Structure Change Process Date: July 20, 2010 Last Data Update: July 20, 2010 Data Source Date: April 05, 2012
Location
Address: Second And Main Streets, Hoisington, KS 67544 County: Barton 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): Great Bend, KS (#24460) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $22.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
9Total employees (full-time equivalent)
$21,875Total assets
$3,195Cash and due from depository institutions
$1,871Interest-bearing balances
$9,756Securities
$0Federal funds sold & reverse repurchase agreements
$8,272Net loans & leases
$74Loan loss allowance
$0Trading account assets
$221Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$431All other assets
$21,875Total liabilities and capital
$18,662Total liabilities
$18,060Total deposits
$14,049Interest-bearing deposits
$18,060Deposits held in domestic offices
95.52%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$500Other borrowed funds
$0Subordinated debt
$102All other liabilities
$3,213Total equity capital
$3,213Total bank equity capital
$3,213Perpetual preferred stock
$0Common stock
$200Surplus
$500Undivided profits
Memoranda
$2,513Noncurrent loans and leases
$1,089Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2Earning assets
$0Long-term assets (5+ years)
$172Average Assets, year-to-date
$19,899Average Assets, quarterly
$10,430Volatile liabilities
$21,751Insider loans
$21,931FHLB advances
$1,651Loans and leases held for sale
$494Unused loan commitments
$500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,089Total unused commitments
$0Restructured Loans and leases
$78Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$1,073Total interest income
$153Total interest expense
$920Net interest income
$39Provision for loan and lease losses
$104Total noninterest income
$0Fiduciary activities
$57Service charges on deposit accounts
$0Trading account gains & fees
$47Additional noninterest income
$795Total noninterest expense
$362Salaries and employee benefits
$109Premises and equipment expense
$324Additional noninterest expense
$190Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
$182Income before extraordinary items
$0Extraordinary gains - net
$182Net income attributable to bank
$0Net charge-offs
$182Cash dividends
$0Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.32%Yield on earning assets
0.76%Cost of funding earning assets
4.56%Net interest margin
0.52%Noninterest income to earning assets
3.94%Noninterest expense to earning assets
0.84%Net operating income to assets
0.84%Return on assets (ROA)
0.87%Pretax return on assets
5.67%Return on equity (ROE)
-3.68%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
77,637Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
164.84%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
3700.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
45.80%Net loans and leases to core deposits
48.92%Equity capital to assets
14.69%Core capital (leverage) ratio
13.33%Tier 1 risk-based capital ratio
25.08%Total risk-based capital ratio
Memoranda
$26Average assets
$21,751Average earning assets
$3,210Average equity
$20,154Average loans
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