Bank of Hays in Hays, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Hays - Overview

  • General
  • FDIC Certificate #: 17769
    Status: Active
    Federal Reserve ID: 746755
    Bank Holding Company (Regulatory Top Holder): Hanston Insurance Agency, Inc. (RSSDID: 1052293, Location: Hanston, KS)
    Date Established: August 21, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 53483
    FDIC's unique #: 11723
    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: Commercial Lending Specialization
    Date of Deposit Insurance: June 12, 1957
    Last Structure Change Effective Date: March 27, 2008
    Last Structure Change Process Date: April 18, 2008
    Last Data Update: April 18, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1000 West 27th Street, Hays, KS 67601
    County: Ellis
    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
    Core Based Statistical Area (CBSA): Hays, KS (#25700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $191.1 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $159.1 mil
    Return on assets (ROA): 0.98% ($1.9 mil)
    Quarterly return on assets: 0.99% ($1.9 mil)
    Return on Equity (ROE): 12.89% ($1.9 mil)
    Quarterly return on equity: 12.82% ($1.9 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.34% ($2,560.2 mil)
    Quarterly Pretax return on assets: 1.38% ($2,636.6 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
  • 30Total employees (full-time equivalent)
  • $191,057Total assets
  • $4,313Cash and due from depository institutions
  • $591Interest-bearing balances
  • $77,970Securities
  • $15Federal funds sold & reverse repurchase agreements
  • $102,873Net loans & leases
  • $1,419Loan loss allowance
  • $0Trading account assets
  • $2,994Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $191,057Life insurance assets
  • $2,892All other assets
  • $176,075Total liabilities and capital
  • $159,059Total liabilities
  • $132,557Total deposits
  • $159,059Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,300Trading liabilities
  • $0Other borrowed funds
  • $716Subordinated debt
  • $14,982All other liabilities
  • $14,982Total equity capital
  • $14,982Total bank equity capital
  • $0Perpetual preferred stock
  • $360Common stock
  • $7,902Surplus
  • $6,720Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $73Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $765Income earned, not collected on loans
  • $648Earning assets
  • $1,094Long-term assets (5+ years)
  • $181,449Average Assets, year-to-date
  • $46,883Average Assets, quarterly
  • $186,973Volatile liabilities
  • $192,322Insider loans
  • $114,533FHLB advances
  • $191,099Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,687Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,058Restructured Loans and leases
  • $5,194Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,431Total interest income
  • $1,486Total interest expense
  • $5,945Net interest income
  • $240Provision for loan and lease losses
  • $345Total noninterest income
  • $0Fiduciary activities
  • $150Service charges on deposit accounts
  • $0Trading account gains & fees
  • $195Additional noninterest income
  • $3,577Total noninterest expense
  • $2,021Salaries and employee benefits
  • $361Premises and equipment expense
  • $1,195Additional noninterest expense
  • $2,473Pre-tax net operating income
  • $31Securities gains (losses)
  • $669Applicable income taxes
  • $1,835Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,835Net income attributable to bank
  • $0Net charge-offs
  • $1,835Cash dividends
  • -$4Sale, conversion, retirement of capital stock, net
  • $533Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.17%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.01%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 12.89%Return on equity (ROE)
  • 9.15%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -6000.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,868Assets per employee
  • 6.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.05%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 185.49%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 64.68%Net loans and leases to core deposits
  • 70.34%Equity capital to assets
  • 7.84%Core capital (leverage) ratio
  • 7.69%Tier 1 risk-based capital ratio
  • 12.82%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $186,973Average earning assets
  • $14,234Average equity
  • $178,017Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011723Bank Of Hays1000 West 27th Street, Hays, KS 67601August 21, 1907Full Service Brick and Mortar
    1359658Lewis Branch217 South Main Street, Lewis, KS 67552January 08, 2001Full Service Brick and Mortar
    4473835Hanston Branch102 North Logan, Hanston, KS 67849March 27, 2008Full Service Brick and Mortar

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