Farmers and Merchants Bank of Hill City in Hill City, Kansas (KS)

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Farmers and Merchants Bank of Hill City routing number info

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Farmers and Merchants Bank of Hill City
GeneralFDIC Certificate #: 27178
Status: Active
Federal Reserve ID: 1166435
Bank Holding Company (Regulatory Top Holder): Stockton Bancshares, Inc. (RSSDID: 1060131, Location: Stockton, KS)
Date Established: Febuary 18, 1988
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 39018
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: Febuary 18, 1988
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
LocationAddress: 120 East Main Street, Hill City, KS 67642
County: Graham
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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $41.7 mil
Equity capital: $4.6 mil
Deposits held in domestic offices: $36.9 mil
Return on assets (ROA): 0.37% ($0.2 mil)
Quarterly return on assets: 0.34% ($0.1 mil)
Return on Equity (ROE): 3.19% ($0.2 mil)
Quarterly return on equity: 2.92% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.38% ($158.4 mil)
Quarterly Pretax return on assets: 0.39% ($162.6 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)13
Total assets$41,682
Cash and due from depository institutions$6,540
Interest-bearing balances$4,877
Federal funds sold & reverse repurchase agreements$2,582
Net loans & leases$25,505
Loan loss allowance $460
Trading account assets$0
Bank premises and fixed assets$553
Other real estate owned$0
Goodwill and other intangibles$66
All other assets$751
Life insurance assets$41,682
Total liabilities and capital$37,053
Total liabilities$36,885
Total deposits$30,465
Interest-bearing deposits$36,885
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$117
Other borrowed funds $0
Subordinated debt $51
All other liabilities $4,629
Total equity capital$4,629
Total bank equity capital$4,629
Perpetual preferred stock$0
Common stock$600
Undivided profits $3,379
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $502
Earning assets $0
Long-term assets (5+ years) $434
Average Assets, year-to-date $38,649
Average Assets, quarterly $2,303
Volatile liabilities $40,122
Insider loans $40,486
FHLB advances $28,773
Loans and leases held for sale $40,478
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,542
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,986
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,679
Total interest expense $239
Net interest income $1,440
Provision for loan and lease losses $157
Total noninterest income $170
Fiduciary activities $0
Service charges on deposit accounts $126
Trading account gains & fees $0
Additional noninterest income $44
Total noninterest expense $1,301
Salaries and employee benefits $644
Premises and equipment expense $207
Additional noninterest expense $450
Pre-tax net operating income $152
Securities gains (losses) $0
Applicable income taxes $5
Income before extraordinary items $147
Extraordinary gains - net $0
Net income attributable to bank $147
Net charge-offs $0
Cash dividends $147
Sale, conversion, retirement of capital stock, net -$16
Net operating income $125
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.49%
Cost of funding earning assets 0.64%
Net interest margin 3.85%
Noninterest income to earning assets 0.45%
Noninterest expense to earning assets 3.48%
Net operating income to assets 0.37%
Return on assets (ROA) 0.37%
Pretax return on assets 0.38%
Return on equity (ROE) 3.19%
Retained earnings to average equity (YTD only) 0.48%
Net charge-offs to loans -0.06%
Credit loss provision to net charge-offs -981.25%
Efficiency ratio0.00%
Assets per employee$78,882
Cash dividends to net income (YTD only)3.21%
Condition Ratios (%)
Loss allowance to loans 85.03%
Loss allowance to noncurrent loans 1.77%
Noncurrent assets plus other real estate owned to assets 91.63%
Noncurrent loans to loans 1.20%
Net loans and leases to deposits1.93%
Net loans and leases to core deposits 69.15%
Equity capital to assets 70.80%
Core capital (leverage) ratio 11.11%
Tier 1 risk-based capital ratio 11.22%
Total risk-based capital ratio 15.79%
Average assets$17
Average earning assets$40,122
Average equity $4,613
Average loans $37,408
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2 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
039018Farmers And Merchants Bank Of Hill C120 East Main Street, Hill City, KS 67642Febuary 18, 1988Full Service Brick and Mortar
39577Bogue BranchMain And Hummingbird Streets, Bogue, KS 67625October 09, 1909Full Service Brick and Mortar
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