Equity Bank, A National Association in Andover, Kansas (KS), MO

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Equity Bank, A National Association
GeneralFDIC Certificate #: 25858
Status: Active
Federal Reserve ID: 139656
Bank Holding Company (Regulatory Top Holder): Equity Bancshares, Inc. (RSSDID: 3180547, Location: Wichita, KS)
Date Established: January 21, 1985
WWW: http://www.equitybank.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: 14 (Domestic: 14, Interstate: Yes)
FDIC's unique #: 32095
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 21, 1985
Last Structure Change Effective Date: December 10, 2011
Last Structure Change Process Date: December 19, 2011
Last Data Update: December 19, 2011
Data Source Date: April 05, 2012
LocationAddress: Andover Road And Central Street, Andover, KS 67002
County: Butler
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
Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
Core Based Statistical Area (CBSA): Wichita, KS (#48620)
CBSA Metro Statistical Area: Wichita, KS (#48620)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $605.9 mil
Equity capital: $78.5 mil
Deposits held in domestic offices: $476.4 mil
Return on assets (ROA): 0.44% ($2.7 mil)
Quarterly return on assets: 0.18% ($1.1 mil)
Return on Equity (ROE): 3.11% ($2.4 mil)
Quarterly return on equity: 1.28% ($1.0 mil)
Net income: $2.3 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.59% ($3,574.7 mil)
Quarterly Pretax return on assets: 0.30% ($1,817.6 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)
Total employees (full-time equivalent)126
Total assets$605,882
Cash and due from depository institutions$41,062
Interest-bearing balances$34,380
Federal funds sold & reverse repurchase agreements$11
Net loans & leases$325,566
Loan loss allowance $4,307
Trading account assets$0
Bank premises and fixed assets$9,987
Other real estate owned$3,556
Goodwill and other intangibles$13,843
All other assets$15,693
Life insurance assets$605,882
Total liabilities and capital$527,427
Total liabilities$476,380
Total deposits$415,559
Interest-bearing deposits$476,380
Deposits held in domestic offices$84
% insured (estimated)11234.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$35,524
Other borrowed funds $0
Subordinated debt $4,289
All other liabilities $78,455
Total equity capital$78,455
Total bank equity capital$78,455
Perpetual preferred stock$0
Common stock$1,326
Undivided profits $9,706
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,803
Income earned, not collected on loans $4,611
Earning assets $0
Long-term assets (5+ years) $2,453
Average Assets, year-to-date $556,121
Average Assets, quarterly $198,858
Volatile liabilities $510,407
Insider loans $548,815
FHLB advances $370,275
Loans and leases held for sale $522,189
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $63,877
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $50,669
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $22,721
Total interest expense $5,208
Net interest income $17,513
Provision for loan and lease losses $1,200
Total noninterest income $1,990
Fiduciary activities $0
Service charges on deposit accounts $897
Trading account gains & fees $0
Additional noninterest income $1,093
Total noninterest expense $15,155
Salaries and employee benefits $7,285
Premises and equipment expense $2,080
Additional noninterest expense $5,790
Pre-tax net operating income $3,148
Securities gains (losses) -$126
Applicable income taxes $760
Income before extraordinary items $2,262
Extraordinary gains - net $0
Net income attributable to bank $2,262
Net charge-offs $0
Cash dividends $2,262
Sale, conversion, retirement of capital stock, net $497
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.87%
Cost of funding earning assets 1.12%
Net interest margin 3.76%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 3.25%
Net operating income to assets 0.46%
Return on assets (ROA) 0.44%
Pretax return on assets 0.59%
Return on equity (ROE) 3.11%
Retained earnings to average equity (YTD only) 3.11%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 241.45%
Efficiency ratio8.75%
Assets per employee$76,809
Cash dividends to net income (YTD only)4.81%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.31%
Noncurrent assets plus other real estate owned to assets 93.41%
Noncurrent loans to loans 1.35%
Net loans and leases to deposits1.40%
Net loans and leases to core deposits 68.34%
Equity capital to assets 79.77%
Core capital (leverage) ratio 12.95%
Tier 1 risk-based capital ratio 12.23%
Total risk-based capital ratio 17.25%
Average assets$18
Average earning assets$510,407
Average equity $72,818
Average loans $466,312
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13 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
032095Equity Bank, A National AssociationAndover Road And Central Street, Andover, KS 67002January 21, 1985Full Service Brick and Mortar
1258268Lakepoint Branch555 North Webb Road, Wichita, KS 67206October 06, 1998Full Service Brick and Mortar
232589East Kellogg Branch7701 East Kellogg, Wichita, KS 67207May 20, 1985Full Service Brick and Mortar
3258628West Branch10222 West Central Street, Wichita, KS 67212March 01, 1993Full Service Brick and Mortar
7359888Spring Hill Branch708 South Webster, Spring Hill, KS 66083January 08, 2001Full Service Brick and Mortar
8467316Overland Park Branch8880 W. 151st Street, Overland Park, KS 66221January 03, 2007Full Service Brick and Mortar
97907Equity Ellis Branch916 Washington Street, Ellis, KS 67637January 01, 1899Full Service Brick and Mortar
10447376Hays Branch2428 Vine Street, Hays, KS 67601September 24, 2004Full Service Brick and Mortar
11492943Overland Park Corporate Hub Branch4551 W 107th St, Ste 210, Overland Park, KS 66207April 08, 2009Full Service Brick and Mortar
1215865Topeka Main Branch701 Kansas Avenue, Topeka, KS 66603October 02, 1978Full Service Brick and Mortar
138323Southwest Branch2655 Southwest Wanamaker Road, Topeka, KS 66614January 01, 1906Full Service Brick and Mortar
14229230Motor Bank Branch507 West 8th Street, Topeka, KS 66603December 15, 1958Limited Service Facility
15229231Gage Branch3825 Southwest 29th Street, Topeka, KS 66614January 14, 1974Full Service Brick and Mortar
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
6467277Lee's Summit Branch909 Ne Rice Road, Lees Summit, MO 64064October 13, 2006Full Service Brick and Mortar
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