The First State Bank of Healy in Healy, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First State Bank of Healy - Overview

  • General
  • FDIC Certificate #: 17661
    Status: Active
    Federal Reserve ID: 864855
    Date Established: July 10, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11626
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: September 14, 1956
    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: Jayhawk Plaza On K-4, Healy, KS 67850
    County: Lane
    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: $72.6 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $56.2 mil
    Return on assets (ROA): 1.49% ($1.1 mil)
    Quarterly return on assets: 1.47% ($1.1 mil)
    Return on Equity (ROE): 7.81% ($1.1 mil)
    Quarterly return on equity: 7.70% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.57% ($1,139.6 mil)
    Quarterly Pretax return on assets: 1.81% ($1,313.8 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
  • 9Total employees (full-time equivalent)
  • $72,588Total assets
  • $4,790Cash and due from depository institutions
  • $0Interest-bearing balances
  • $29,609Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $35,452Net loans & leases
  • $584Loan loss allowance
  • $0Trading account assets
  • $183Bank premises and fixed assets
  • $243Other real estate owned
  • $0Goodwill and other intangibles
  • $72,588Life insurance assets
  • $2,311All other assets
  • $59,079Total liabilities and capital
  • $56,227Total liabilities
  • $48,915Total deposits
  • $56,227Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,739Trading liabilities
  • $0Other borrowed funds
  • $113Subordinated debt
  • $13,509All other liabilities
  • $13,509Total equity capital
  • $13,509Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,000Surplus
  • $12,409Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $77Income earned, not collected on loans
  • $0Earning assets
  • $691Long-term assets (5+ years)
  • $65,061Average Assets, year-to-date
  • $33,796Average Assets, quarterly
  • $67,401Volatile liabilities
  • $70,554Insider loans
  • $58,685FHLB advances
  • $69,768Loans and leases held for sale
  • $1,090Unused loan commitments
  • $1,090Tier 1 (core) risk-based capital
  • $12,236Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,566Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,197Total interest income
  • $616Total interest expense
  • $2,581Net interest income
  • $50Provision for loan and lease losses
  • -$183Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$259Additional noninterest income
  • $1,288Total noninterest expense
  • $894Salaries and employee benefits
  • $51Premises and equipment expense
  • $343Additional noninterest expense
  • $1,060Pre-tax net operating income
  • $0Securities gains (losses)
  • $59Applicable income taxes
  • $1,001Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,001Net income attributable to bank
  • $0Net charge-offs
  • $1,001Cash dividends
  • -$33Sale, conversion, retirement of capital stock, net
  • $350Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.22%Net interest margin
  • -0.30%Noninterest income to earning assets
  • 2.11%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 7.81%Return on equity (ROE)
  • 5.08%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • -151.52%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 53,711Assets per employee
  • 8.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.97%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 758.44%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 63.05%Net loans and leases to core deposits
  • 68.49%Equity capital to assets
  • 18.61%Core capital (leverage) ratio
  • 17.54%Tier 1 risk-based capital ratio
  • 20.85%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $67,401Average earning assets
  • $12,814Average equity
  • $61,090Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011626The First State Bank Of HealyJayhawk Plaza On K-4, Healy, KS 67850July 10, 1906Full Service Brick and Mortar

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