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

The Montezuma State Bank - Overview

  • General
  • FDIC Certificate #: 12692
    Status: Active
    Federal Reserve ID: 513957
    Bank Holding Company (Regulatory Top Holder): Hedlund Bancshares, Ltd. (RSSDID: 1064522, Location: Montezuma, KS)
    Date Established: January 01, 1913
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15725
    FDIC's unique #: 8051
    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: 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 Aztec Street, Montezuma, KS 67867
    County: Gray
    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
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $94.3 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $83.1 mil
    Return on assets (ROA): 1.28% ($1.2 mil)
    Quarterly return on assets: 1.17% ($1.1 mil)
    Return on Equity (ROE): 15.89% ($1.3 mil)
    Quarterly return on equity: 14.02% ($1.1 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.33% ($1,253.9 mil)
    Quarterly Pretax return on assets: 1.22% ($1,150.2 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
  • 16Total employees (full-time equivalent)
  • $94,278Total assets
  • $2,858Cash and due from depository institutions
  • $6Interest-bearing balances
  • $61,315Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,046Net loans & leases
  • $510Loan loss allowance
  • $0Trading account assets
  • $816Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $94,278Life insurance assets
  • $1,243All other assets
  • $86,646Total liabilities and capital
  • $83,107Total liabilities
  • $36,924Total deposits
  • $83,107Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 3450.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $89Subordinated debt
  • $7,632All other liabilities
  • $7,632Total equity capital
  • $7,632Total bank equity capital
  • $0Perpetual preferred stock
  • $160Common stock
  • $590Surplus
  • $6,882Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $860Long-term assets (5+ years)
  • $89,367Average Assets, year-to-date
  • $53,607Average Assets, quarterly
  • $88,225Volatile liabilities
  • $90,499Insider loans
  • $37,334FHLB advances
  • $91,952Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,669Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,828Restructured Loans and leases
  • $97Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,428Total interest income
  • $410Total interest expense
  • $3,018Net interest income
  • $0Provision for loan and lease losses
  • $75Total noninterest income
  • $0Fiduciary activities
  • $36Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $2,038Total noninterest expense
  • $1,189Salaries and employee benefits
  • $259Premises and equipment expense
  • $590Additional noninterest expense
  • $1,055Pre-tax net operating income
  • $117Securities gains (losses)
  • $47Applicable income taxes
  • $1,125Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,125Net income attributable to bank
  • $0Net charge-offs
  • $1,125Cash dividends
  • -$41Sale, conversion, retirement of capital stock, net
  • $885Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 15.89%Return on equity (ROE)
  • 3.39%Retained earnings to average equity (YTD only)
  • -0.15%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,891Assets per employee
  • 5.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.67%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 33.75%Net loans and leases to core deposits
  • 34.45%Equity capital to assets
  • 8.10%Core capital (leverage) ratio
  • 7.25%Tier 1 risk-based capital ratio
  • 17.86%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $88,225Average earning assets
  • $7,079Average equity
  • $84,349Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08051The Montezuma State Bank209 North Aztec Street, Montezuma, KS 67867January 01, 1913Full Service Brick and Mortar
    1227797Copeland Branch210 North Santa Fe Street, Copeland, KS 67837March 13, 1997Full Service Brick and Mortar

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