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


The Bank of Holyrood - Overview

  • General
  • FDIC Certificate #: 9661
    Status: Active
    Federal Reserve ID: 871358
    Bank Holding Company (Regulatory Top Holder): Holyrood Bancshares, Inc. (RSSDID: 1062788, Location: Holyrood, KS)
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6180
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    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: 100 S Main St, Holyrood, KS 67450
    County: Ellsworth
    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 Changes
  • Corrections
    Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $56.2 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $49.2 mil
    Return on assets (ROA): 1.65% ($0.9 mil)
    Quarterly return on assets: 1.38% ($0.8 mil)
    Return on Equity (ROE): 16.99% ($0.8 mil)
    Quarterly return on equity: 13.95% ($0.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.67% ($938.9 mil)
    Quarterly Pretax return on assets: 1.42% ($798.4 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
  • 8Total employees (full-time equivalent)
  • $56,224Total assets
  • $5,240Cash and due from depository institutions
  • $3,498Interest-bearing balances
  • $10,491Securities
  • $9,121Federal funds sold & reverse repurchase agreements
  • $30,489Net loans & leases
  • $460Loan loss allowance
  • $0Trading account assets
  • $85Bank premises and fixed assets
  • $172Other real estate owned
  • $0Goodwill and other intangibles
  • $56,224Life insurance assets
  • $626All other assets
  • $50,746Total liabilities and capital
  • $49,174Total liabilities
  • $37,733Total deposits
  • $49,174Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $72Subordinated debt
  • $5,478All other liabilities
  • $5,478Total equity capital
  • $5,478Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $225Surplus
  • $5,178Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $109Income earned, not collected on loans
  • $0Earning assets
  • $393Long-term assets (5+ years)
  • $53,599Average Assets, year-to-date
  • $5,766Average Assets, quarterly
  • $53,310Volatile liabilities
  • $55,513Insider loans
  • $31,843FHLB advances
  • $55,735Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,302Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $1,537Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,134Total interest income
  • $461Total interest expense
  • $1,673Net interest income
  • $180Provision for loan and lease losses
  • $88Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $760Total noninterest expense
  • $401Salaries and employee benefits
  • $49Premises and equipment expense
  • $310Additional noninterest expense
  • $821Pre-tax net operating income
  • $71Securities gains (losses)
  • $14Applicable income taxes
  • $878Income before extraordinary items
  • $0Extraordinary gains - net
  • $878Net income attributable to bank
  • $0Net charge-offs
  • $878Cash dividends
  • $93Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.15%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 1.48%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 16.99%Return on equity (ROE)
  • 13.12%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 193.55%Credit loss provision to net charge-offs
  • 10.76%Efficiency ratio
  • 43,157Assets per employee
  • 7.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.78%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 422.02%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 62.00%Net loans and leases to core deposits
  • 64.44%Equity capital to assets
  • 9.74%Core capital (leverage) ratio
  • 9.51%Tier 1 risk-based capital ratio
  • 16.65%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $53,310Average earning assets
  • $5,166Average equity
  • $51,478Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06180The Bank Of Holyrood100 S Main St, Holyrood, KS 67450January 01, 1887Full Service Brick and Mortar

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