Bank of Commerce and Trust Company in Wellington, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Commerce and Trust Company - Overview

  • General
  • FDIC Certificate #: 4796
    Status: Active
    Federal Reserve ID: 431350
    Date Established: October 06, 1906
    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 #: 14415
    FDIC's unique #: 3205
    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: 201 West Harvey Avenue, Wellington, KS 67152
    County: Sumner
    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
    Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
    Core Based Statistical Area (CBSA): Wichita, KS (#48620)
    CBSA Metro Statistical Area: Wichita, KS (#48620)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $53.8 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $48.0 mil
    Return on assets (ROA): 0.74% ($0.4 mil)
    Quarterly return on assets: 0.44% ($0.2 mil)
    Return on Equity (ROE): 8.77% ($0.4 mil)
    Quarterly return on equity: 5.05% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.77% ($414.2 mil)
    Quarterly Pretax return on assets: 0.43% ($231.3 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
  • 15Total employees (full-time equivalent)
  • $53,786Total assets
  • $2,029Cash and due from depository institutions
  • $231Interest-bearing balances
  • $24,033Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,017Net loans & leases
  • $410Loan loss allowance
  • $0Trading account assets
  • $325Bank premises and fixed assets
  • $729Other real estate owned
  • $0Goodwill and other intangibles
  • $53,786Life insurance assets
  • $1,653All other assets
  • $49,140Total liabilities and capital
  • $48,020Total liabilities
  • $42,732Total deposits
  • $48,020Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 200.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $750Trading liabilities
  • $0Other borrowed funds
  • $170Subordinated debt
  • $4,646All other liabilities
  • $4,646Total equity capital
  • $4,646Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $1,745Surplus
  • $2,661Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $444Income earned, not collected on loans
  • $96Earning assets
  • $392Long-term assets (5+ years)
  • $49,281Average Assets, year-to-date
  • $26,631Average Assets, quarterly
  • $50,365Volatile liabilities
  • $52,720Insider loans
  • $26,935FHLB advances
  • $53,099Loans and leases held for sale
  • $762Unused loan commitments
  • $762Tier 1 (core) risk-based capital
  • $4,218Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,407Restructured Loans and leases
  • $84Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,068Total interest income
  • $447Total interest expense
  • $1,621Net interest income
  • $15Provision for loan and lease losses
  • $246Total noninterest income
  • $0Fiduciary activities
  • $195Service charges on deposit accounts
  • $0Trading account gains & fees
  • $51Additional noninterest income
  • $1,573Total noninterest expense
  • $917Salaries and employee benefits
  • $197Premises and equipment expense
  • $459Additional noninterest expense
  • $279Pre-tax net operating income
  • $109Securities gains (losses)
  • $17Applicable income taxes
  • $371Income before extraordinary items
  • $0Extraordinary gains - net
  • $371Net income attributable to bank
  • $0Net charge-offs
  • $371Cash dividends
  • -$75Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 3.42%Noninterest expense to earning assets
  • 0.53%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 8.77%Return on equity (ROE)
  • 8.77%Retained earnings to average equity (YTD only)
  • -0.30%Net charge-offs to loans
  • -20.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 84,253Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 92.34%Noncurrent assets plus other real estate owned to assets
  • 2.18%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 52.10%Net loans and leases to core deposits
  • 53.35%Equity capital to assets
  • 8.64%Core capital (leverage) ratio
  • 7.94%Tier 1 risk-based capital ratio
  • 15.66%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $50,365Average earning assets
  • $4,229Average equity
  • $46,030Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03205Bank Of Commerce And Trust Company201 West Harvey Avenue, Wellington, KS 67152October 06, 1906Full Service Brick and Mortar
    1478811South Haven Branch112 N Main, South Haven, KS 67140August 01, 2007Full Service Brick and Mortar

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