FDIC Certificate #: 15328 Status: Active Federal Reserve ID: 1557 Bank Holding Company (Regulatory Top Holder): First Kiowa Bancshares, Inc. (RSSDID: 1059434, Location: Kiowa, KS) Date Established: January 01, 1935 WWW:http://www.fstbanc.com 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 #: 53087 FDIC's unique #: 9663 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: December 21, 1935 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: 546 Main Street, Kiowa, KS 67070 County: Barber 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $61.2 mil Equity capital: $5.8 mil Deposits held in domestic offices: $52.7 mil Return on assets (ROA): 1.24% ($0.8 mil) Quarterly return on assets: 0.80% ($0.5 mil) Return on Equity (ROE): 13.06% ($0.8 mil) Quarterly return on equity: 8.42% ($0.5 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.46% ($893.2 mil) Quarterly Pretax return on assets: 0.92% ($562.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$61,178Total assets
$3,951Cash and due from depository institutions
$1,745Interest-bearing balances
$18,539Securities
$3,679Federal funds sold & reverse repurchase agreements
$33,341Net loans & leases
$581Loan loss allowance
$0Trading account assets
$289Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$61,178Life insurance assets
$1,379All other assets
$55,421Total liabilities and capital
$52,684Total liabilities
$35,906Total deposits
$52,684Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,209Trading liabilities
$0Other borrowed funds
$528Subordinated debt
$5,757All other liabilities
$5,757Total equity capital
$5,757Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,000Surplus
$4,557Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$867Long-term assets (5+ years)
$57,304Average Assets, year-to-date
$17,020Average Assets, quarterly
$58,164Volatile liabilities
$59,741Insider loans
$41,259FHLB advances
$60,578Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,706Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,629Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,489Total interest income
$373Total interest expense
$2,116Net interest income
$100Provision for loan and lease losses
$107Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$18Additional noninterest income
$1,275Total noninterest expense
$743Salaries and employee benefits
$187Premises and equipment expense
$345Additional noninterest expense
$848Pre-tax net operating income
$0Securities gains (losses)
$125Applicable income taxes
$723Income before extraordinary items
$0Extraordinary gains - net
$723Net income attributable to bank
$0Net charge-offs
$723Cash dividends
$0Sale, conversion, retirement of capital stock, net
$251Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.51%Yield on earning assets
0.68%Cost of funding earning assets
3.83%Net interest margin
0.19%Noninterest income to earning assets
2.31%Noninterest expense to earning assets
1.24%Net operating income to assets
1.24%Return on assets (ROA)
1.46%Pretax return on assets
13.06%Return on equity (ROE)
8.53%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
57,355Assets per employee
5.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.72%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
58100.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
63.28%Net loans and leases to core deposits
67.25%Equity capital to assets
9.41%Core capital (leverage) ratio
9.42%Tier 1 risk-based capital ratio
13.83%Total risk-based capital ratio
Memoranda
$15Average assets
$58,164Average earning assets
$5,534Average equity
$55,241Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9663
The First State Bank, Kiowa, Kansas
546 Main Street, Kiowa, KS 67070
January 01, 1935
Full Service Brick and Mortar
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