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
    WWW: http://www.bankofcommerce.ws
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Commerce and Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents