The Halstead Bank in Halstead, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Halstead Bank - Overview

  • General
  • FDIC Certificate #: 17451
    Status: Active
    Federal Reserve ID: 747257
    Bank Holding Company (Regulatory Top Holder): Williams Holding Company, Inc. (RSSDID: 1064513, Location: Halstead, KS)
    Date Established: March 10, 1882
    WWW: http://www.halsteadbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 11440
    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: June 08, 1955
    Last Structure Change Effective Date: April 01, 2009
    Last Structure Change Process Date: April 03, 2009
    Last Data Update: April 03, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 314 Main Street, Halstead, KS 67056
    County: Harvey
    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
    Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
    Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
    Core Based Statistical Area (CBSA): Wichita, KS (#48620)
    CBSA Metro Statistical Area: Wichita, KS (#48620)
  • History of Changes
  • Institution Becomes a Member of FRS (Federal Reserve System)
    Corrections
    Change in Supervisory Agency
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $76.5 mil
    Equity capital: $6.2 mil
    Deposits held in domestic offices: $67.3 mil
    Return on assets (ROA): 0.78% ($0.6 mil)
    Quarterly return on assets: 1.08% ($0.8 mil)
    Return on Equity (ROE): 9.71% ($0.6 mil)
    Quarterly return on equity: 13.36% ($0.8 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.83% ($635.0 mil)
    Quarterly Pretax return on assets: 1.14% ($872.1 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
  • 24Total employees (full-time equivalent)
  • $76,500Total assets
  • $6,351Cash and due from depository institutions
  • $1,877Interest-bearing balances
  • $10,930Securities
  • $995Federal funds sold & reverse repurchase agreements
  • $52,089Net loans & leases
  • $665Loan loss allowance
  • $0Trading account assets
  • $2,849Bank premises and fixed assets
  • $303Other real estate owned
  • $0Goodwill and other intangibles
  • $76,500Life insurance assets
  • $2,983All other assets
  • $70,251Total liabilities and capital
  • $67,289Total liabilities
  • $49,768Total deposits
  • $67,289Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,487Trading liabilities
  • $0Other borrowed funds
  • $475Subordinated debt
  • $6,249All other liabilities
  • $6,249Total equity capital
  • $6,249Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $3,170Surplus
  • $2,959Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $510Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $147Income earned, not collected on loans
  • $0Earning assets
  • $602Long-term assets (5+ years)
  • $65,891Average Assets, year-to-date
  • $5,290Average Assets, quarterly
  • $75,517Volatile liabilities
  • $76,821Insider loans
  • $60,082FHLB advances
  • $77,068Loans and leases held for sale
  • $1,398Unused loan commitments
  • $1,398Tier 1 (core) risk-based capital
  • $6,214Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,933Restructured Loans and leases
  • $1,005Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,465Total interest income
  • $499Total interest expense
  • $2,966Net interest income
  • $161Provision for loan and lease losses
  • $728Total noninterest income
  • $0Fiduciary activities
  • $375Service charges on deposit accounts
  • $0Trading account gains & fees
  • $353Additional noninterest income
  • $2,909Total noninterest expense
  • $1,473Salaries and employee benefits
  • $535Premises and equipment expense
  • $901Additional noninterest expense
  • $624Pre-tax net operating income
  • $0Securities gains (losses)
  • $32Applicable income taxes
  • $592Income before extraordinary items
  • $0Extraordinary gains - net
  • $592Net income attributable to bank
  • $0Net charge-offs
  • $592Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $410Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.50%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 9.71%Return on equity (ROE)
  • 2.98%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 392.68%Credit loss provision to net charge-offs
  • 19.15%Efficiency ratio
  • 78,749Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.26%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 452.38%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 77.41%Net loans and leases to core deposits
  • 80.32%Equity capital to assets
  • 8.17%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 10.34%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $75,517Average earning assets
  • $6,099Average equity
  • $65,856Average loans

List of branches

  • 5 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011440The Halstead Bank314 Main Street, Halstead, KS 67056March 10, 1882Full Service Brick and Mortar
    19558The Halstead Bank At Bentley101 North Wichita, Bentley, KS 67016June 06, 1901Full Service Brick and Mortar
    2362314Halstead Drive-In Branch329 Main Street, Halstead, KS 67056October 18, 2001Limited Service Facility
    3364311Valley Center Branch101 West Industrial, Valley Center, KS 67147June 03, 2002Full Service Brick and Mortar
    5493055The Halstead Bank, Maize Location Branch4001 N Maize Rd, Maize, KS 67101August 08, 2008Full Service Brick and Mortar

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