FDIC Certificate #: 16744 Status: Active Federal Reserve ID: 741358 Bank Holding Company (Regulatory Top Holder): First Howard Bankshares, Inc. (RSSDID: 1059519, Location: Cherryvale, KS) Date Established: January 01, 1880 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 #: 10860 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: November 04, 1948 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: 200 West Main Street, Cherryvale, KS 67335 County: Montgomery Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Coffeyville, KS (#17700) CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $16.7 mil Equity capital: $4.3 mil Deposits held in domestic offices: $10.1 mil Return on assets (ROA): 4.18% ($0.7 mil) Quarterly return on assets: 4.34% ($0.7 mil) Return on Equity (ROE): 15.63% ($0.6 mil) Quarterly return on equity: 16.13% ($0.6 mil) Net income: $0.7 mil Quarterly Net income: $0.2 mil Pretax return on assets: 4.35% ($727.9 mil) Quarterly Pretax return on assets: 4.54% ($759.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$16,734Total assets
$309Cash and due from depository institutions
$0Interest-bearing balances
$740Securities
$285Federal funds sold & reverse repurchase agreements
$14,793Net loans & leases
$245Loan loss allowance
$0Trading account assets
$50Bank premises and fixed assets
$178Other real estate owned
$0Goodwill and other intangibles
$16,734Life insurance assets
$379All other assets
$12,407Total liabilities and capital
$10,102Total liabilities
$7,480Total deposits
$10,102Interest-bearing deposits
$97Deposits held in domestic offices
2000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$305Subordinated debt
$4,327All other liabilities
$4,327Total equity capital
$4,327Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$820Surplus
$3,307Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$271Income earned, not collected on loans
$0Earning assets
$145Long-term assets (5+ years)
$15,818Average Assets, year-to-date
$255Average Assets, quarterly
$16,094Volatile liabilities
$16,131Insider loans
$13,974FHLB advances
$16,349Loans and leases held for sale
$188Unused loan commitments
$188Tier 1 (core) risk-based capital
$4,327Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$880Restructured Loans and leases
$91Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,159Total interest income
$89Total interest expense
$1,070Net interest income
$0Provision for loan and lease losses
$219Total noninterest income
$0Fiduciary activities
$155Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$589Total noninterest expense
$275Salaries and employee benefits
$46Premises and equipment expense
$268Additional noninterest expense
$700Pre-tax net operating income
$0Securities gains (losses)
$28Applicable income taxes
$672Income before extraordinary items
$0Extraordinary gains - net
$672Net income attributable to bank
$0Net charge-offs
$672Cash dividends
-$8Sale, conversion, retirement of capital stock, net
$500Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.63%Yield on earning assets
0.59%Cost of funding earning assets
7.04%Net interest margin
1.44%Noninterest income to earning assets
3.88%Noninterest expense to earning assets
4.18%Net operating income to assets
4.18%Return on assets (ROA)
4.35%Pretax return on assets
15.63%Return on equity (ROE)
4.00%Retained earnings to average equity (YTD only)
-0.06%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
45,694Assets per employee
2.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
74.40%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
90.41%Noncurrent assets plus other real estate owned to assets
2.68%Noncurrent loans to loans
1.80%Net loans and leases to deposits
146.44%Net loans and leases to core deposits
152.16%Equity capital to assets
25.86%Core capital (leverage) ratio
26.47%Tier 1 risk-based capital ratio
30.96%Total risk-based capital ratio
Memoranda
$32Average assets
$16,094Average earning assets
$4,299Average equity
$15,196Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10860
The Peoples State Bank
200 West Main Street, Cherryvale, KS 67335
January 01, 1880
Full Service Brick and Mortar
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