FDIC Certificate #: 15353 Status: Active Federal Reserve ID: 427456 Bank Holding Company (Regulatory Top Holder): G & R, Inc. (RSSDID: 1051728, Location: Troy, KS) Date Established: January 01, 1906 WWW:http://www.troystatebank.com 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 #: 9682 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: Febuary 11, 1936 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: 121 South Main Street, Troy, KS 66087 County: Doniphan Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): St. Joseph, MO-KS (#41140) CBSA Metro Statistical Area: St. Joseph, MO-KS (#41140)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $28.1 mil Equity capital: $2.6 mil Deposits held in domestic offices: $24.6 mil Return on assets (ROA): 0.25% ($0.1 mil) Quarterly return on assets: -1.33% (-$0.4 mil) Return on Equity (ROE): 2.56% ($0.1 mil) Quarterly return on equity: -13.78% (-$0.4 mil) Net income: $0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.45% ($126.6 mil) Quarterly Pretax return on assets: -0.67% (-$188.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$28,131Total assets
$1,239Cash and due from depository institutions
$7Interest-bearing balances
$10,800Securities
$2,252Federal funds sold & reverse repurchase agreements
$13,153Net loans & leases
$290Loan loss allowance
$0Trading account assets
$79Bank premises and fixed assets
$38Other real estate owned
$0Goodwill and other intangibles
$28,131Life insurance assets
$570All other assets
$25,523Total liabilities and capital
$24,593Total liabilities
$21,340Total deposits
$24,593Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$826Trading liabilities
$0Other borrowed funds
$104Subordinated debt
$2,608All other liabilities
$2,608Total equity capital
$2,608Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$150Surplus
$2,308Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$347Income earned, not collected on loans
$0Earning assets
$259Long-term assets (5+ years)
$26,212Average Assets, year-to-date
$3,745Average Assets, quarterly
$26,681Volatile liabilities
$27,429Insider loans
$13,967FHLB advances
$26,437Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,394Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,566Restructured Loans and leases
$202Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,161Total interest income
$314Total interest expense
$847Net interest income
$111Provision for loan and lease losses
$89Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$16Additional noninterest income
$719Total noninterest expense
$392Salaries and employee benefits
$118Premises and equipment expense
$209Additional noninterest expense
$106Pre-tax net operating income
$13Securities gains (losses)
$52Applicable income taxes
$67Income before extraordinary items
$0Extraordinary gains - net
$67Net income attributable to bank
$0Net charge-offs
$67Cash dividends
$35Sale, conversion, retirement of capital stock, net
$85Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.62%Yield on earning assets
1.25%Cost of funding earning assets
3.37%Net interest margin
0.35%Noninterest income to earning assets
2.86%Noninterest expense to earning assets
0.22%Net operating income to assets
0.25%Return on assets (ROA)
0.45%Pretax return on assets
2.56%Return on equity (ROE)
-0.69%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
317.14%Credit loss provision to net charge-offs
6.20%Efficiency ratio
76,816Assets per employee
4.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
126.87%Loss allowance to loans
2.16%Loss allowance to noncurrent loans
83.57%Noncurrent assets plus other real estate owned to assets
1.37%Noncurrent loans to loans
2.58%Net loans and leases to deposits
53.48%Net loans and leases to core deposits
53.48%Equity capital to assets
9.27%Core capital (leverage) ratio
9.06%Tier 1 risk-based capital ratio
17.14%Total risk-based capital ratio
Memoranda
$18Average assets
$26,681Average earning assets
$2,614Average equity
$25,114Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9682
The Troy State Bank
121 South Main Street, Troy, KS 66087
January 01, 1906
Full Service Brick and Mortar
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