Bank IV, National Association in Wichita, Kansas (KS)



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Bank IV, National Association
GeneralFDIC Certificate #: 4800
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Nationsbank, National Association (Mid-West) (#19362)
Federal Reserve ID: 373357
Date Established: March 14, 1887
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 87 (Interstate: No)
OTS Docket #: 10653
FDIC's unique #: 3209
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 18, 1996
Last Structure Change Process Date: October 24, 1996
Last Data Update: October 24, 1996
Data Source Date: April 05, 2012
LocationAddress: 100 North Broadway, Wichita, KS 67201
County: Sedgwick
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
Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
Core Based Statistical Area (CBSA): Wichita, KS (#48620)
CBSA Metro Statistical Area: Wichita, KS (#48620)
Financial SummaryTotal assets: $4,597.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$1,611
Cash and due from depository institutions$5,063,563
Interest-bearing balances$393,782
Securities$431
Federal funds sold & reverse repurchase agreements$1,635,303
Net loans & leases$230,155
Loan loss allowance $2,599,812
Trading account assets$41,763
Bank premises and fixed assets$919
Other real estate owned$92,640
Goodwill and other intangibles$1,444
All other assets$38,143
Life insurance assets$71,365
Total liabilities and capital$0
Total liabilities$5,063,563
Total deposits$4,691,394
Interest-bearing deposits$4,095,064
Deposits held in domestic offices$3,333,747
% insured (estimated)4095064.00%
Federal funds purchased & repurchase agreements $83
Trading liabilities$513,775
Other borrowed funds $0
Subordinated debt $41,506
All other liabilities $0
Total equity capital$41,049
Total bank equity capital$41,049
Perpetual preferred stock$372,169
Common stock$0
Surplus$49,471
Undivided profits $227,064
Memoranda
Noncurrent loans and leases $95,634
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $15,865
Earning assets $25,824
Long-term assets (5+ years) $4,466,620
Average Assets, year-to-date $811,937
Average Assets, quarterly $5,109,536
Volatile liabilities $5,019,520
Insider loans $688,466
FHLB advances $65,299
Loans and leases held for sale $0
Unused loan commitments $92,040
Tier 1 (core) risk-based capital $1,302,291
Tier 2 risk-based capital $0
Total risk weighted assets $331,637
Total unused commitments $3,296,968
Restructured Loans and leases $0
Derivatives$81,249
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Income and Expense (December 31, 1995)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $362,643
Net interest income $181,906
Provision for loan and lease losses $180,737
Total noninterest income $3
Fiduciary activities $86,780
Service charges on deposit accounts $19,662
Trading account gains & fees $27,246
Additional noninterest income $1,514
Total noninterest expense $38,358
Salaries and employee benefits $162,083
Premises and equipment expense $58,700
Additional noninterest expense $14,568
Pre-tax net operating income $88,815
Securities gains (losses) $105,431
Applicable income taxes -$16,868
Income before extraordinary items $33,114
Extraordinary gains - net $55,449
Net income attributable to bank $0
Net charge-offs $55,449
Cash dividends $488
Sale, conversion, retirement of capital stock, net $78,000
Net operating income $0
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Performance and Condition Ratios (December 31, 1995)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 7.93%
Net interest margin 3.98%
Noninterest income to earning assets 3.95%
Noninterest expense to earning assets 1.90%
Net operating income to assets 3.55%
Return on assets (ROA) 1.30%
Pretax return on assets 1.09%
Return on equity (ROE) 1.73%
Retained earnings to average equity (YTD only) 14.80%
Net charge-offs to loans -6.02%
Credit loss provision to net charge-offs 0.02%
Efficiency ratio0.61%
Assets per employee$58,606
Cash dividends to net income (YTD only)3.14%
Condition Ratios (%)
Loss allowance to loans 140.67%
Loss allowance to noncurrent loans 1.58%
Noncurrent assets plus other real estate owned to assets 263.24%
Noncurrent loans to loans 0.34%
Net loans and leases to deposits0.60%
Net loans and leases to core deposits 63.49%
Equity capital to assets 66.04%
Core capital (leverage) ratio 7.35%
Tier 1 risk-based capital ratio 6.70%
Total risk-based capital ratio 10.06%
Memoranda
Average assets$11
Average earning assets$5,109,536
Average equity $374,764
Average loans $4,570,713
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