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

The Howard State Bank, Howard, Kansas - Overview

  • General
  • FDIC Certificate #: 4693
    Status: Active
    Federal Reserve ID: 998358
    Bank Holding Company (Regulatory Top Holder): Elk County Bankshares, Inc. (RSSDID: 1062863, Location: Howard, KS)
    Date Established: August 30, 1877
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 3120
    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: January 01, 1934
    Last Structure Change Effective Date: January 22, 2008
    Last Structure Change Process Date: January 23, 2008
    Last Data Update: January 23, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 South Wabash Street, 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
  • Financial Summary
  • Total assets: $44.5 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $39.9 mil
    Return on assets (ROA): 0.89% ($0.4 mil)
    Quarterly return on assets: 0.63% ($0.3 mil)
    Return on Equity (ROE): 8.56% ($0.4 mil)
    Quarterly return on equity: 6.08% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.93% ($414.2 mil)
    Quarterly Pretax return on assets: 0.65% ($289.5 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
  • 17Total employees (full-time equivalent)
  • $44,541Total assets
  • $10,704Cash and due from depository institutions
  • $8,596Interest-bearing balances
  • $11,923Securities
  • $181Federal funds sold & reverse repurchase agreements
  • $20,503Net loans & leases
  • $546Loan loss allowance
  • $0Trading account assets
  • $326Bank premises and fixed assets
  • $31Other real estate owned
  • $97Goodwill and other intangibles
  • $44,541Life insurance assets
  • $776All other assets
  • $39,949Total liabilities and capital
  • $39,852Total liabilities
  • $32,214Total deposits
  • $39,852Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $97Subordinated debt
  • $4,592All other liabilities
  • $4,592Total equity capital
  • $4,592Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,350Surplus
  • $3,142Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16Income earned, not collected on loans
  • $0Earning assets
  • $362Long-term assets (5+ years)
  • $41,203Average Assets, year-to-date
  • $3,359Average Assets, quarterly
  • $43,544Volatile liabilities
  • $44,278Insider loans
  • $23,157FHLB advances
  • $44,023Loans and leases held for sale
  • $163Unused loan commitments
  • $163Tier 1 (core) risk-based capital
  • $4,316Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,901Restructured Loans and leases
  • $1,049Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,739Total interest income
  • $174Total interest expense
  • $1,565Net interest income
  • $85Provision for loan and lease losses
  • $254Total noninterest income
  • $0Fiduciary activities
  • $205Service charges on deposit accounts
  • $0Trading account gains & fees
  • $49Additional noninterest income
  • $1,329Total noninterest expense
  • $729Salaries and employee benefits
  • $197Premises and equipment expense
  • $403Additional noninterest expense
  • $405Pre-tax net operating income
  • $0Securities gains (losses)
  • $19Applicable income taxes
  • $386Income before extraordinary items
  • $0Extraordinary gains - net
  • $386Net income attributable to bank
  • $0Net charge-offs
  • $386Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $241Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 8.56%Return on equity (ROE)
  • 3.21%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 2125.00%Credit loss provision to net charge-offs
  • 122.50%Efficiency ratio
  • 71,358Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.44%Loss allowance to loans
  • 2.59%Loss allowance to noncurrent loans
  • 3412.50%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 51.45%Net loans and leases to core deposits
  • 51.84%Equity capital to assets
  • 10.31%Core capital (leverage) ratio
  • 9.80%Tier 1 risk-based capital ratio
  • 18.64%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $43,544Average earning assets
  • $4,511Average equity
  • $40,576Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03120The Howard State Bank, Howard, Kansas100 South Wabash Street, Howard, KS 67349August 30, 1877Full Service Brick and Mortar
    19337Moline Branch124 North Main Street, Moline, KS 67353January 01, 1904Full Service Brick and Mortar
    213553Cedar Vale Branch602 Cedar Street, Cedar Vale, KS 67024July 31, 1967Full Service Brick and Mortar
    3253794Sedan Branch125 West Main, Sedan, KS 67361May 02, 1994Full Service Brick and Mortar

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