FDIC Certificate #: 18074 Status: Active Federal Reserve ID: 472652 Bank Holding Company (Regulatory Top Holder): Roxbury Bancshares, Inc. (RSSDID: 1067064, Location: Roxbury, KS) Date Established: October 12, 1908 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 #: 12585 FDIC's unique #: 11997 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: September 03, 1959 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: 102 N Main St, Roxbury, KS 67476 County: Mcpherson 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 Core Based Statistical Area (CBSA): McPherson, KS (#32700) CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $13.0 mil Equity capital: $1.2 mil Deposits held in domestic offices: $11.7 mil Return on assets (ROA): -1.52% (-$0.2 mil) Quarterly return on assets: 0.42% ($0.1 mil) Return on Equity (ROE): -18.15% (-$0.2 mil) Quarterly return on equity: 4.55% ($0.0 mil) Net income: -$0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: -1.49% (-$193.8 mil) Quarterly Pretax return on assets: 0.42% ($54.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$13,005Total assets
$1,292Cash and due from depository institutions
$748Interest-bearing balances
$2,606Securities
$79Federal funds sold & reverse repurchase agreements
$8,096Net loans & leases
$362Loan loss allowance
$0Trading account assets
$88Bank premises and fixed assets
$555Other real estate owned
$0Goodwill and other intangibles
$13,005Life insurance assets
$289All other assets
$11,768Total liabilities and capital
$11,748Total liabilities
$9,346Total deposits
$11,748Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$20Subordinated debt
$1,237All other liabilities
$1,237Total equity capital
$1,237Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,320Surplus
$-1,183Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$220Income earned, not collected on loans
$0Earning assets
$127Long-term assets (5+ years)
$11,529Average Assets, year-to-date
$668Average Assets, quarterly
$14,142Volatile liabilities
$13,208Insider loans
$8,371FHLB advances
$13,207Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,199Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$550Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$655Total interest income
$93Total interest expense
$562Net interest income
$108Provision for loan and lease losses
$99Total noninterest income
$0Fiduciary activities
$38Service charges on deposit accounts
$0Trading account gains & fees
$61Additional noninterest income
$764Total noninterest expense
$367Salaries and employee benefits
$60Premises and equipment expense
$337Additional noninterest expense
-$211Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
-$215Income before extraordinary items
$0Extraordinary gains - net
-$215Net income attributable to bank
$0Net charge-offs
-$215Cash dividends
$184Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.36%Yield on earning assets
0.76%Cost of funding earning assets
4.60%Net interest margin
0.81%Noninterest income to earning assets
6.25%Noninterest expense to earning assets
-1.52%Net operating income to assets
-1.52%Return on assets (ROA)
-1.49%Pretax return on assets
-18.15%Return on equity (ROE)
-18.15%Retained earnings to average equity (YTD only)
2.02%Net charge-offs to loans
58.70%Credit loss provision to net charge-offs
-0.56%Efficiency ratio
115,582Assets per employee
2.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.28%Loss allowance to noncurrent loans
164.55%Noncurrent assets plus other real estate owned to assets
5.96%Noncurrent loans to loans
2.60%Net loans and leases to deposits
68.91%Net loans and leases to core deposits
68.91%Equity capital to assets
9.51%Core capital (leverage) ratio
9.08%Tier 1 risk-based capital ratio
14.32%Total risk-based capital ratio
Memoranda
$16Average assets
$14,142Average earning assets
$1,185Average equity
$12,221Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11997
Roxbury Bank
102 N Main St, Roxbury, KS 67476
October 12, 1908
Full Service Brick and Mortar
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