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


The Haviland State Bank - Overview

  • General
  • FDIC Certificate #: 17403
    Status: Active
    Federal Reserve ID: 861153
    Bank Holding Company (Regulatory Top Holder): Haviland Bancshares, Inc. (RSSDID: 1063945, Location: Haviland, KS)
    Date Established: August 31, 1903
    WWW: http://www.havilandstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11401
    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: Febuary 24, 1955
    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: 209 North Main Street, Haviland, KS 67059
    County: Kiowa
    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
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $36.3 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $31.6 mil
    Return on assets (ROA): 1.02% ($0.4 mil)
    Quarterly return on assets: 0.63% ($0.2 mil)
    Return on Equity (ROE): 8.70% ($0.3 mil)
    Quarterly return on equity: 5.13% ($0.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.15% ($417.9 mil)
    Quarterly Pretax return on assets: 0.54% ($196.2 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
  • 11Total employees (full-time equivalent)
  • $36,339Total assets
  • $5,048Cash and due from depository institutions
  • $3,286Interest-bearing balances
  • $11,028Securities
  • $293Federal funds sold & reverse repurchase agreements
  • $18,778Net loans & leases
  • $343Loan loss allowance
  • $0Trading account assets
  • $156Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $36,339Life insurance assets
  • $1,036All other assets
  • $31,859Total liabilities and capital
  • $31,569Total liabilities
  • $26,765Total deposits
  • $31,569Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $74Trading liabilities
  • $0Other borrowed funds
  • $216Subordinated debt
  • $4,480All other liabilities
  • $4,480Total equity capital
  • $4,480Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $625Surplus
  • $3,755Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $725Income earned, not collected on loans
  • $0Earning assets
  • $551Long-term assets (5+ years)
  • $33,385Average Assets, year-to-date
  • $12,728Average Assets, quarterly
  • $35,317Volatile liabilities
  • $36,291Insider loans
  • $23,236FHLB advances
  • $36,203Loans and leases held for sale
  • $316Unused loan commitments
  • $316Tier 1 (core) risk-based capital
  • $4,018Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,251Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,554Total interest income
  • $270Total interest expense
  • $1,284Net interest income
  • $78Provision for loan and lease losses
  • $80Total noninterest income
  • $0Fiduciary activities
  • $82Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$2Additional noninterest income
  • $881Total noninterest expense
  • $538Salaries and employee benefits
  • $73Premises and equipment expense
  • $270Additional noninterest expense
  • $405Pre-tax net operating income
  • $0Securities gains (losses)
  • $44Applicable income taxes
  • $361Income before extraordinary items
  • $0Extraordinary gains - net
  • $361Net income attributable to bank
  • $0Net charge-offs
  • $361Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 8.70%Return on equity (ROE)
  • 4.48%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 2600.00%Credit loss provision to net charge-offs
  • 161.00%Efficiency ratio
  • 64,589Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.48%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 47.31%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 3.79%Net loans and leases to deposits
  • 59.48%Net loans and leases to core deposits
  • 59.97%Equity capital to assets
  • 12.33%Core capital (leverage) ratio
  • 11.10%Tier 1 risk-based capital ratio
  • 17.29%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $35,317Average earning assets
  • $4,151Average equity
  • $33,299Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011401The Haviland State Bank209 North Main Street, Haviland, KS 67059August 31, 1903Full Service Brick and Mortar
    1241622Mullinville State Bank - Branch Of H100 North Main, Mullinville, KS 67109June 01, 1998Full Service Brick and Mortar

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