The Bank of Holyrood in Holyrood, Kansas (KS)



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The Bank of Holyrood routing number info

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The Bank of Holyrood
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Change in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)8
Total assets$56,224
Cash and due from depository institutions$5,240
Interest-bearing balances$3,498
Securities$10,491
Federal funds sold & reverse repurchase agreements$9,121
Net loans & leases$30,489
Loan loss allowance $460
Trading account assets$0
Bank premises and fixed assets$85
Other real estate owned$172
Goodwill and other intangibles$0
All other assets$626
Life insurance assets$56,224
Total liabilities and capital$50,746
Total liabilities$49,174
Total deposits$37,733
Interest-bearing deposits$49,174
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,500
Other borrowed funds $0
Subordinated debt $72
All other liabilities $5,478
Total equity capital$5,478
Total bank equity capital$5,478
Perpetual preferred stock$0
Common stock$75
Surplus$225
Undivided profits $5,178
Memoranda
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 $109
Earning assets $0
Long-term assets (5+ years) $393
Average Assets, year-to-date $53,599
Average Assets, quarterly $5,766
Volatile liabilities $53,310
Insider loans $55,513
FHLB advances $31,843
Loans and leases held for sale $55,735
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,302
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
Derivatives$1,537
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,134
Total interest expense $461
Net interest income $1,673
Provision for loan and lease losses $180
Total noninterest income $88
Fiduciary activities $0
Service charges on deposit accounts $72
Trading account gains & fees $0
Additional noninterest income $16
Total noninterest expense $760
Salaries and employee benefits $401
Premises and equipment expense $49
Additional noninterest expense $310
Pre-tax net operating income $821
Securities gains (losses) $71
Applicable income taxes $14
Income before extraordinary items $878
Extraordinary gains - net $0
Net income attributable to bank $878
Net charge-offs $0
Cash dividends $878
Sale, conversion, retirement of capital stock, net $93
Net operating income $200
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.15%
Cost of funding earning assets 0.90%
Net interest margin 3.25%
Noninterest income to earning assets 0.17%
Noninterest expense to earning assets 1.48%
Net operating income to assets 1.52%
Return on assets (ROA) 1.65%
Pretax return on assets 1.67%
Return on equity (ROE) 16.99%
Retained earnings to average equity (YTD only) 13.12%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 193.55%
Efficiency ratio10.76%
Assets per employee$43,157
Cash dividends to net income (YTD only)7.03%
Condition Ratios (%)
Loss allowance to loans 22.78%
Loss allowance to noncurrent loans 1.49%
Noncurrent assets plus other real estate owned to assets 422.02%
Noncurrent loans to loans 0.50%
Net loans and leases to deposits0.35%
Net loans and leases to core deposits 62.00%
Equity capital to assets 64.44%
Core capital (leverage) ratio 9.74%
Tier 1 risk-based capital ratio 9.51%
Total risk-based capital ratio 16.65%
Memoranda
Average assets$18
Average earning assets$53,310
Average equity $5,166
Average loans $51,478
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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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