FDIC Certificate #: 10922 Status: Inactive Closing history: Office Sold Acquiring institution:Enterprise Bank & Trust (#35446) Federal Reserve ID: 543851 Date Established: January 01, 1934 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 6994 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 28, 2001 Last Structure Change Process Date: January 04, 2002 Last Data Update: January 04, 2002 Data Source Date: April 05, 2012
Location
Address: 1104 East Twelfth Avenue, Emporia, KS 66801 County: Lyon 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 Core Based Statistical Area (CBSA): Emporia, KS (#21380) CBSA Micro Statistical Area: Yes
History of Changes
Merger - Without Assistance
Office Sold
Financial Summary
Total assets: $25.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
14Total employees (full-time equivalent)
$20,877Total assets
$782Cash and due from depository institutions
$0Interest-bearing balances
$5,639Securities
$510Federal funds sold & reverse repurchase agreements
$12,827Net loans & leases
$517Loan loss allowance
$0Trading account assets
$373Bank premises and fixed assets
$306Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$440All other assets
$20,877Total liabilities and capital
$19,369Total liabilities
$19,299Total deposits
$17,378Interest-bearing deposits
$19,299Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$70All other liabilities
$1,508Total equity capital
$1,508Total bank equity capital
$1,508Perpetual preferred stock
$0Common stock
$396Surplus
$730Undivided profits
Memoranda
$382Noncurrent loans and leases
$838Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$128Earning assets
$0Long-term assets (5+ years)
$197Average Assets, year-to-date
$18,976Average Assets, quarterly
$1,495Volatile liabilities
$20,881Insider loans
$20,752FHLB advances
$2,835Loans and leases held for sale
$88Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$838Total unused commitments
$0Restructured Loans and leases
$186Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$1,779Total interest income
$859Total interest expense
$920Net interest income
$593Provision for loan and lease losses
$208Total noninterest income
$0Fiduciary activities
$165Service charges on deposit accounts
$0Trading account gains & fees
$43Additional noninterest income
$815Total noninterest expense
$445Salaries and employee benefits
$93Premises and equipment expense
$277Additional noninterest expense
-$280Pre-tax net operating income
-$136Securities gains (losses)
-$190Applicable income taxes
-$226Income before extraordinary items
$0Extraordinary gains - net
-$226Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$213Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.17%Yield on earning assets
4.43%Cost of funding earning assets
4.74%Net interest margin
1.07%Noninterest income to earning assets
4.20%Noninterest expense to earning assets
-0.67%Net operating income to assets
-1.08%Return on assets (ROA)
-1.99%Pretax return on assets
-13.57%Return on equity (ROE)
-17.17%Retained earnings to average equity (YTD only)
1.55%Net charge-offs to loans
278.40%Credit loss provision to net charge-offs
1.47%Efficiency ratio
72,252Assets per employee
1.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
-26.55%Loss allowance to loans
3.87%Loss allowance to noncurrent loans
403.91%Noncurrent assets plus other real estate owned to assets
2.08%Noncurrent loans to loans
0.96%Net loans and leases to deposits
66.46%Net loans and leases to core deposits
77.91%Equity capital to assets
7.22%Core capital (leverage) ratio
6.98%Tier 1 risk-based capital ratio
10.22%Total risk-based capital ratio
Memoranda
$12Average assets
$20,881Average earning assets
$1,666Average equity
$19,392Average loans
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