FDIC Certificate #: 17395 Status: Active Federal Reserve ID: 125958 Bank Holding Company (Regulatory Top Holder): Ellco Bancshares, Inc. (RSSDID: 1062797, Location: Lorraine, KS) Date Established: January 01, 1907 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 #: 11393 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: Febuary 03, 1955 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: 233 Main St, Lorraine, KS 67459 County: Ellsworth 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: $23.0 mil Equity capital: $2.4 mil Deposits held in domestic offices: $20.4 mil Return on assets (ROA): 1.08% ($0.2 mil) Quarterly return on assets: 0.55% ($0.1 mil) Return on Equity (ROE): 10.63% ($0.2 mil) Quarterly return on equity: 5.15% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.51% ($347.6 mil) Quarterly Pretax return on assets: 0.53% ($122.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$23,021Total assets
$1,315Cash and due from depository institutions
$0Interest-bearing balances
$5,451Securities
$242Federal funds sold & reverse repurchase agreements
$15,637Net loans & leases
$130Loan loss allowance
$0Trading account assets
$32Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$23,021Life insurance assets
$344All other assets
$20,597Total liabilities and capital
$20,405Total liabilities
$16,765Total deposits
$20,405Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$192Subordinated debt
$2,424All other liabilities
$2,424Total equity capital
$2,424Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$100Surplus
$2,274Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$106Income earned, not collected on loans
$0Earning assets
$314Long-term assets (5+ years)
$21,330Average Assets, year-to-date
$9,181Average Assets, quarterly
$22,429Volatile liabilities
$22,672Insider loans
$17,260FHLB advances
$22,083Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,338Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,300Restructured Loans and leases
$272Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,023Total interest income
$170Total interest expense
$853Net interest income
$56Provision for loan and lease losses
$26Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$11Additional noninterest income
$494Total noninterest expense
$297Salaries and employee benefits
$18Premises and equipment expense
$179Additional noninterest expense
$329Pre-tax net operating income
$9Securities gains (losses)
$95Applicable income taxes
$243Income before extraordinary items
$0Extraordinary gains - net
$243Net income attributable to bank
$0Net charge-offs
$243Cash dividends
$31Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
0.80%Cost of funding earning assets
4.02%Net interest margin
0.12%Noninterest income to earning assets
2.33%Noninterest expense to earning assets
1.05%Net operating income to assets
1.08%Return on assets (ROA)
1.51%Pretax return on assets
10.63%Return on equity (ROE)
10.63%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
180.65%Credit loss provision to net charge-offs
12.42%Efficiency ratio
56,200Assets per employee
3.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.82%Loss allowance to noncurrent loans
122.64%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.67%Net loans and leases to deposits
76.63%Net loans and leases to core deposits
77.63%Equity capital to assets
10.53%Core capital (leverage) ratio
10.59%Tier 1 risk-based capital ratio
13.55%Total risk-based capital ratio
Memoranda
$14Average assets
$22,429Average earning assets
$2,286Average equity
$21,243Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11393
The Lorraine State Bank
233 Main St, Lorraine, KS 67459
January 01, 1907
Full Service Brick and Mortar
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