Bank of the Southwest in Dodge City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 07, 1997

Bank of the Southwest in Dodge City, Kansas (KS)
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Bank of the Southwest - Overview

General
FDIC Certificate #: 20704
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Sunflower Bank, National Association (#4767)
Federal Reserve ID: 825650
Date Established: May 22, 1972
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 9436
FDIC's unique #: 14298
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: May 22, 1972
Last Structure Change Effective Date: April 07, 1997
Last Structure Change Process Date: April 21, 1997
Last Data Update: April 21, 1997
Data Source Date: April 05, 2012
Location
Address: 2408 First Avenue, Dodge City, KS 67801
County: Ford
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hays
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Dodge City, KS (#19980)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $57.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$34Total assets
$56,652Cash and due from depository institutions
$4,415Interest-bearing balances
$3Securities
$7,845Federal funds sold & reverse repurchase agreements
$2,065Net loans & leases
$39,413Loan loss allowance
$391Trading account assets
$0Bank premises and fixed assets
$1,358Other real estate owned
$8Goodwill and other intangibles
$1,548Life insurance assets
$0All other assets
$0Total liabilities and capital
$56,652Total liabilities
$51,737Total deposits
$50,797Interest-bearing deposits
$42,920Deposits held in domestic offices
50797.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$431Subordinated debt
$0All other liabilities
$509Total equity capital
$509Total bank equity capital
$4,915Perpetual preferred stock
$450Common stock
$450Surplus
$450Undivided profits
Memoranda
$3,565Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$78Income earned, not collected on loans
$774Earning assets
$49,326Long-term assets (5+ years)
$9,902Average Assets, year-to-date
$54,508Average Assets, quarterly
$55,997Volatile liabilities
$2,715Insider loans
$551FHLB advances
$0Loans and leases held for sale
$570Unused loan commitments
$8,955Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,888Total risk weighted assets
$41,443Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$4,483Total interest expense
$1,915Net interest income
$2,568Provision for loan and lease losses
$101Total noninterest income
$771Fiduciary activities
$0Service charges on deposit accounts
$615Trading account gains & fees
$0Additional noninterest income
$156Total noninterest expense
$2,131Salaries and employee benefits
$1,004Premises and equipment expense
$401Additional noninterest expense
$726Pre-tax net operating income
$1,107Securities gains (losses)
$0Applicable income taxes
$383Income before extraordinary items
$724Extraordinary gains - net
$0Net income attributable to bank
$724Net charge-offs
$26Cash dividends
$165Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.26%Cost of funding earning assets
3.96%Net interest margin
5.30%Noninterest income to earning assets
1.59%Noninterest expense to earning assets
4.40%Net operating income to assets
1.33%Return on assets (ROA)
1.33%Pretax return on assets
2.03%Return on equity (ROE)
15.91%Retained earnings to average equity (YTD only)
12.28%Net charge-offs to loans
0.07%Credit loss provision to net charge-offs
388.46%Efficiency ratio
63,822Assets per employee
1.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.79%Loss allowance to loans
0.98%Loss allowance to noncurrent loans
501.28%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.20%Net loans and leases to deposits
77.59%Net loans and leases to core deposits
81.97%Equity capital to assets
8.68%Core capital (leverage) ratio
8.64%Tier 1 risk-based capital ratio
11.79%Total risk-based capital ratio
Memoranda
$13Average assets
$54,508Average earning assets
$4,551Average equity
$48,408Average loans

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