Equity Bank, A National Association in Andover, Kansas (KS), MO
Overview, Financial Summary, Detailed Financial Reports, Branches

Equity Bank, A National Association - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 126Total employees (full-time equivalent)
  • $605,882Total assets
  • $41,062Cash and due from depository institutions
  • $34,380Interest-bearing balances
  • $196,164Securities
  • $11Federal funds sold & reverse repurchase agreements
  • $325,566Net loans & leases
  • $4,307Loan loss allowance
  • $0Trading account assets
  • $9,987Bank premises and fixed assets
  • $3,556Other real estate owned
  • $13,843Goodwill and other intangibles
  • $605,882Life insurance assets
  • $15,693All other assets
  • $527,427Total liabilities and capital
  • $476,380Total liabilities
  • $415,559Total deposits
  • $476,380Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 11234.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $35,524Trading liabilities
  • $0Other borrowed funds
  • $4,289Subordinated debt
  • $78,455All other liabilities
  • $78,455Total equity capital
  • $78,455Total bank equity capital
  • $0Perpetual preferred stock
  • $1,326Common stock
  • $67,423Surplus
  • $9,706Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,803Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,611Income earned, not collected on loans
  • $0Earning assets
  • $2,453Long-term assets (5+ years)
  • $556,121Average Assets, year-to-date
  • $198,858Average Assets, quarterly
  • $510,407Volatile liabilities
  • $548,815Insider loans
  • $370,275FHLB advances
  • $522,189Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $63,877Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $50,669Restructured Loans and leases
  • $8,282Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,721Total interest income
  • $5,208Total interest expense
  • $17,513Net interest income
  • $1,200Provision for loan and lease losses
  • $1,990Total noninterest income
  • $0Fiduciary activities
  • $897Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,093Additional noninterest income
  • $15,155Total noninterest expense
  • $7,285Salaries and employee benefits
  • $2,080Premises and equipment expense
  • $5,790Additional noninterest expense
  • $3,148Pre-tax net operating income
  • -$126Securities gains (losses)
  • $760Applicable income taxes
  • $2,262Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,262Net income attributable to bank
  • $0Net charge-offs
  • $2,262Cash dividends
  • $497Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 3.11%Return on equity (ROE)
  • 3.11%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 241.45%Credit loss provision to net charge-offs
  • 8.75%Efficiency ratio
  • 76,809Assets per employee
  • 4.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 93.41%Noncurrent assets plus other real estate owned to assets
  • 1.35%Noncurrent loans to loans
  • 1.40%Net loans and leases to deposits
  • 68.34%Net loans and leases to core deposits
  • 79.77%Equity capital to assets
  • 12.95%Core capital (leverage) ratio
  • 12.23%Tier 1 risk-based capital ratio
  • 17.25%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $510,407Average earning assets
  • $72,818Average equity
  • $466,312Average loans

List of branches

  • 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
  • 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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