FDIC Certificate #: 4692 Status: Active Federal Reserve ID: 814953 Bank Holding Company (Regulatory Top Holder): First Howard Bankshares, Inc. (RSSDID: 1059519, Location: Cherryvale, KS) Date Established: January 01, 1885 Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3119 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 101 S Wabash St, Howard, KS 67349 County: Elk 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
History of Changes
Corrections
Change in Location
Financial Summary
Total assets: $8.6 mil Equity capital: $1.6 mil Deposits held in domestic offices: $6.9 mil Return on assets (ROA): 0.70% ($0.1 mil) Quarterly return on assets: 0.28% ($0.0 mil) Return on Equity (ROE): 3.89% ($0.1 mil) Quarterly return on equity: 1.46% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.73% ($62.5 mil) Quarterly Pretax return on assets: 0.33% ($28.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$8,565Total assets
$1,204Cash and due from depository institutions
$750Interest-bearing balances
$918Securities
$2,430Federal funds sold & reverse repurchase agreements
$3,682Net loans & leases
$38Loan loss allowance
$0Trading account assets
$5Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$8,565Life insurance assets
$326All other assets
$6,920Total liabilities and capital
$6,897Total liabilities
$4,912Total deposits
$6,897Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$23Subordinated debt
$1,645All other liabilities
$1,645Total equity capital
$1,645Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$100Surplus
$1,495Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$44Long-term assets (5+ years)
$7,780Average Assets, year-to-date
$619Average Assets, quarterly
$9,154Volatile liabilities
$8,562Insider loans
$4,887FHLB advances
$8,295Loans and leases held for sale
$238Unused loan commitments
$238Tier 1 (core) risk-based capital
$1,645Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$364Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$265Total interest income
$23Total interest expense
$242Net interest income
$1Provision for loan and lease losses
$57Total noninterest income
$0Fiduciary activities
$38Service charges on deposit accounts
$0Trading account gains & fees
$19Additional noninterest income
$231Total noninterest expense
$109Salaries and employee benefits
$14Premises and equipment expense
$108Additional noninterest expense
$67Pre-tax net operating income
$0Securities gains (losses)
$3Applicable income taxes
$64Income before extraordinary items
$0Extraordinary gains - net
$64Net income attributable to bank
$0Net charge-offs
$64Cash dividends
$1Sale, conversion, retirement of capital stock, net
$53Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.09%Yield on earning assets
0.27%Cost of funding earning assets
2.83%Net interest margin
0.67%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
0.70%Net operating income to assets
0.70%Return on assets (ROA)
0.73%Pretax return on assets
3.89%Return on equity (ROE)
0.67%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
68.00%Efficiency ratio
77,258Assets per employee
2.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
82.81%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
53.39%Net loans and leases to core deposits
56.67%Equity capital to assets
19.21%Core capital (leverage) ratio
19.83%Tier 1 risk-based capital ratio
33.66%Total risk-based capital ratio
Memoranda
$34Average assets
$9,154Average earning assets
$1,647Average equity
$8,564Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3119
The First National Bank Of Howard
101 S Wabash St, Howard, KS 67349
January 01, 1885
Full Service Brick and Mortar
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