FDIC Certificate #: 17923 Status: Active Federal Reserve ID: 430858 Bank Holding Company (Regulatory Top Holder): Wellsville Bancshares, Inc. (RSSDID: 1059685, Location: Wellsville, KS) Date Established: January 14, 1885 WWW:http://www.wellsvillebank.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) OTS Docket #: 15477 FDIC's unique #: 11860 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: November 06, 1958 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: 112 W 6th St, Wellsville, KS 66092 County: Franklin 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 Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $35.2 mil Equity capital: $3.6 mil Deposits held in domestic offices: $31.5 mil Return on assets (ROA): 1.57% ($0.5 mil) Quarterly return on assets: 1.00% ($0.3 mil) Return on Equity (ROE): 17.38% ($0.7 mil) Quarterly return on equity: 10.00% ($0.4 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.62% ($570.4 mil) Quarterly Pretax return on assets: 1.05% ($369.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$35,212Total assets
$785Cash and due from depository institutions
$70Interest-bearing balances
$12,544Securities
$4,985Federal funds sold & reverse repurchase agreements
$15,580Net loans & leases
$299Loan loss allowance
$0Trading account assets
$257Bank premises and fixed assets
$290Other real estate owned
$0Goodwill and other intangibles
$35,212Life insurance assets
$771All other assets
$31,640Total liabilities and capital
$31,546Total liabilities
$25,054Total deposits
$31,546Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$94Subordinated debt
$3,572All other liabilities
$3,572Total equity capital
$3,572Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$800Surplus
$2,372Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$99Income earned, not collected on loans
$0Earning assets
$210Long-term assets (5+ years)
$33,179Average Assets, year-to-date
$14,796Average Assets, quarterly
$34,494Volatile liabilities
$35,430Insider loans
$19,963FHLB advances
$35,949Loans and leases held for sale
$292Unused loan commitments
$292Tier 1 (core) risk-based capital
$3,161Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,140Restructured Loans and leases
$545Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,623Total interest income
$207Total interest expense
$1,416Net interest income
$88Provision for loan and lease losses
$297Total noninterest income
$0Fiduciary activities
$276Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$1,221Total noninterest expense
$587Salaries and employee benefits
$171Premises and equipment expense
$463Additional noninterest expense
$404Pre-tax net operating income
$156Securities gains (losses)
$19Applicable income taxes
$541Income before extraordinary items
$0Extraordinary gains - net
$541Net income attributable to bank
$0Net charge-offs
$541Cash dividends
$66Sale, conversion, retirement of capital stock, net
$160Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
0.64%Cost of funding earning assets
4.36%Net interest margin
0.91%Noninterest income to earning assets
3.76%Noninterest expense to earning assets
1.13%Net operating income to assets
1.57%Return on assets (ROA)
1.62%Pretax return on assets
17.38%Return on equity (ROE)
12.24%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
133.33%Credit loss provision to net charge-offs
7.45%Efficiency ratio
71,278Assets per employee
3.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
29.57%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
302.02%Noncurrent assets plus other real estate owned to assets
1.10%Noncurrent loans to loans
0.62%Net loans and leases to deposits
49.39%Net loans and leases to core deposits
49.81%Equity capital to assets
10.14%Core capital (leverage) ratio
8.79%Tier 1 risk-based capital ratio
15.83%Total risk-based capital ratio
Memoranda
$17Average assets
$34,494Average earning assets
$3,114Average equity
$32,502Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11860
The Wellsville Bank
112 W 6th St, Wellsville, KS 66092
January 14, 1885
Full Service Brick and Mortar
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