FDIC Certificate #: 15057 Status: Active Federal Reserve ID: 7157 Bank Holding Company (Regulatory Top Holder): Blue Rapids Bancshares, Inc. (RSSDID: 1248760, Location: Blue Rapids, KS) Date Established: August 02, 1871 WWW:http://www.statebankbr.com 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 #: 9443 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: March 20, 1935 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: 21 Public Square, Blue Rapids, KS 66411 County: Marshall Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City 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: $48.8 mil Equity capital: $4.4 mil Deposits held in domestic offices: $44.2 mil Return on assets (ROA): 0.68% ($0.3 mil) Quarterly return on assets: 0.54% ($0.3 mil) Return on Equity (ROE): 7.93% ($0.3 mil) Quarterly return on equity: 5.95% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.73% ($356.1 mil) Quarterly Pretax return on assets: 0.55% ($268.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$48,779Total assets
$672Cash and due from depository institutions
$0Interest-bearing balances
$18,039Securities
$2,574Federal funds sold & reverse repurchase agreements
$26,703Net loans & leases
$370Loan loss allowance
$0Trading account assets
$176Bank premises and fixed assets
$29Other real estate owned
$0Goodwill and other intangibles
$48,779Life insurance assets
$586All other assets
$44,389Total liabilities and capital
$44,151Total liabilities
$37,565Total deposits
$44,151Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$238Subordinated debt
$4,390All other liabilities
$4,390Total equity capital
$4,390Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$200Surplus
$3,990Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$141Income earned, not collected on loans
$0Earning assets
$369Long-term assets (5+ years)
$47,316Average Assets, year-to-date
$1,144Average Assets, quarterly
$49,244Volatile liabilities
$48,468Insider loans
$27,662FHLB advances
$48,175Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,284Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$713Restructured Loans and leases
$98Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,782Total interest income
$522Total interest expense
$1,260Net interest income
$20Provision for loan and lease losses
$173Total noninterest income
$0Fiduciary activities
$169Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$1,052Total noninterest expense
$609Salaries and employee benefits
$73Premises and equipment expense
$370Additional noninterest expense
$361Pre-tax net operating income
$0Securities gains (losses)
$26Applicable income taxes
$335Income before extraordinary items
$0Extraordinary gains - net
$335Net income attributable to bank
$0Net charge-offs
$335Cash dividends
$36Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.74%Yield on earning assets
1.10%Cost of funding earning assets
2.64%Net interest margin
0.36%Noninterest income to earning assets
2.21%Noninterest expense to earning assets
0.68%Net operating income to assets
0.68%Return on assets (ROA)
0.73%Pretax return on assets
7.93%Return on equity (ROE)
7.93%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
55.56%Credit loss provision to net charge-offs
10.58%Efficiency ratio
73,412Assets per employee
6.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
262.41%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.52%Net loans and leases to deposits
60.48%Net loans and leases to core deposits
68.00%Equity capital to assets
9.00%Core capital (leverage) ratio
8.89%Tier 1 risk-based capital ratio
15.49%Total risk-based capital ratio
Memoranda
$17Average assets
$49,244Average earning assets
$4,224Average equity
$47,649Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9443
The State Bank Of Blue Rapids
21 Public Square, Blue Rapids, KS 66411
August 02, 1871
Full Service Brick and Mortar
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