Columbia Savings Association, F.A. in Emporia, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 11, 1993

  • Columbia Savings Association, F.A. in Emporia, Kansas (KS)
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Columbia Savings Association, F.A. - Overview

  • General
  • FDIC Certificate #: 28636
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Bank, Federal Savings Bank (#28256)
    Federal Reserve ID: 493871
    Date Established: January 01, 1927
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2006
    FDIC's unique #: 41470
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 26, 1944
    Last Structure Change Effective Date: June 11, 1993
    Last Structure Change Process Date: October 05, 1993
    Last Data Update: Febuary 03, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 715 Merchant Street, 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
  • Financial Summary
  • Total assets: $652.1 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $255Total assets
  • $653,111Cash and due from depository institutions
  • $62,850Interest-bearing balances
  • $58,900Securities
  • $93,409Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $437,804Loan loss allowance
  • $8,936Trading account assets
  • $0Bank premises and fixed assets
  • $8,985Other real estate owned
  • $22,798Goodwill and other intangibles
  • $22,503Life insurance assets
  • $4,762All other assets
  • $0Total liabilities and capital
  • $653,111Total liabilities
  • $629,510Total deposits
  • $537,165Interest-bearing deposits
  • $515,638Deposits held in domestic offices
  • 537165.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $85,501Subordinated debt
  • $0All other liabilities
  • $6,844Total equity capital
  • $6,844Total bank equity capital
  • $23,601Perpetual preferred stock
  • $0Common stock
  • $481Surplus
  • $9,215Undivided profits
  • Memoranda
  • $13,905Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,346Income earned, not collected on loans
  • $2,725Earning assets
  • $590,113Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $697,556Average Assets, quarterly
  • $653,971Volatile liabilities
  • $107,268Insider loans
  • $0FHLB advances
  • $84,934Loans and leases held for sale
  • $0Unused loan commitments
  • $14,146Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,583Total risk weighted assets
  • $373,324Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $55,360Total interest expense
  • $34,215Net interest income
  • $21,145Provision for loan and lease losses
  • $6,884Total noninterest income
  • $6,442Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $6,442Total noninterest expense
  • $20,207Salaries and employee benefits
  • $7,175Premises and equipment expense
  • $4,382Additional noninterest expense
  • $8,650Pre-tax net operating income
  • $496Securities gains (losses)
  • $3,126Applicable income taxes
  • $2,255Income before extraordinary items
  • $1,367Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,367Net charge-offs
  • $1,544Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.83%Cost of funding earning assets
  • 5.46%Net interest margin
  • 3.37%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 3.22%Net operating income to assets
  • -0.09%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 0.52%Return on equity (ROE)
  • 6.12%Retained earnings to average equity (YTD only)
  • 6.12%Net charge-offs to loans
  • 0.30%Credit loss provision to net charge-offs
  • 445.85%Efficiency ratio
  • 65,360Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 33.92%Noncurrent assets plus other real estate owned to assets
  • 7.42%Noncurrent loans to loans
  • 5.90%Net loans and leases to deposits
  • 81.50%Net loans and leases to core deposits
  • 84.94%Equity capital to assets
  • 3.61%Core capital (leverage) ratio
  • 3.64%Tier 1 risk-based capital ratio
  • 6.32%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $697,556Average earning assets
  • $22,340Average equity
  • $627,035Average loans

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