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
No
ID
Name
Address
Established
Service Type
Map
0
6180
The Bank Of Holyrood
100 S Main St, Holyrood, KS 67450
January 01, 1887
Full Service Brick and Mortar
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