FDIC Certificate #: 4777 Status: Active Federal Reserve ID: 198859 Bank Holding Company (Regulatory Top Holder): Stockton Bancshares, Inc. (RSSDID: 1060131, Location: Stockton, KS) Date Established: January 01, 1900 WWW:http://www.snbks.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13135 FDIC's unique #: 3190 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 15, 2006 Last Structure Change Process Date: Febuary 12, 2007 Last Data Update: Febuary 12, 2007 Data Source Date: April 05, 2012
Location
Address: 123 North Cedar Street, Stockton, KS 67669 County: Rooks 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
Office Purchased
Financial Summary
Total assets: $69.9 mil Equity capital: $8.4 mil Deposits held in domestic offices: $56.1 mil Return on assets (ROA): 0.65% ($0.5 mil) Quarterly return on assets: 0.65% ($0.5 mil) Return on Equity (ROE): 5.40% ($0.4 mil) Quarterly return on equity: 5.39% ($0.4 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.65% ($454.6 mil) Quarterly Pretax return on assets: 0.64% ($447.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$69,931Total assets
$12,905Cash and due from depository institutions
$10,774Interest-bearing balances
$15,099Securities
$0Federal funds sold & reverse repurchase agreements
$39,771Net loans & leases
$730Loan loss allowance
$0Trading account assets
$561Bank premises and fixed assets
$52Other real estate owned
$179Goodwill and other intangibles
$69,931Life insurance assets
$1,364All other assets
$61,496Total liabilities and capital
$56,150Total liabilities
$45,092Total deposits
$56,150Interest-bearing deposits
$88Deposits held in domestic offices
633.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,591Trading liabilities
$0Other borrowed funds
$122Subordinated debt
$8,435All other liabilities
$8,435Total equity capital
$8,435Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,000Surplus
$6,435Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$224Income earned, not collected on loans
$0Earning assets
$749Long-term assets (5+ years)
$65,644Average Assets, year-to-date
$8,560Average Assets, quarterly
$69,963Volatile liabilities
$69,704Insider loans
$47,229FHLB advances
$70,213Loans and leases held for sale
$36Unused loan commitments
$36Tier 1 (core) risk-based capital
$8,221Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,116Restructured Loans and leases
$486Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,643Total interest income
$545Total interest expense
$2,098Net interest income
$80Provision for loan and lease losses
$124Total noninterest income
$0Fiduciary activities
$69Service charges on deposit accounts
$0Trading account gains & fees
$55Additional noninterest income
$1,688Total noninterest expense
$962Salaries and employee benefits
$145Premises and equipment expense
$581Additional noninterest expense
$454Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$454Income before extraordinary items
$0Extraordinary gains - net
$454Net income attributable to bank
$0Net charge-offs
$454Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.99%Yield on earning assets
0.82%Cost of funding earning assets
3.17%Net interest margin
0.19%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
0.65%Net operating income to assets
0.65%Return on assets (ROA)
0.65%Pretax return on assets
5.40%Return on equity (ROE)
0.64%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-2666.67%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,968Assets per employee
4.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.11%Loss allowance to loans
1.80%Loss allowance to noncurrent loans
325.89%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.55%Net loans and leases to deposits
70.83%Net loans and leases to core deposits
78.04%Equity capital to assets
12.06%Core capital (leverage) ratio
11.71%Tier 1 risk-based capital ratio
17.41%Total risk-based capital ratio
Memoranda
$19Average assets
$69,963Average earning assets
$8,404Average equity
$66,286Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3190
The Stockton National Bank
123 North Cedar Street, Stockton, KS 67669
January 01, 1900
Full Service Brick and Mortar
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