Emerald Bank in Burden, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Emerald Bank - Overview

  • General
  • FDIC Certificate #: 14944
    Status: Active
    Federal Reserve ID: 12656
    Date Established: October 01, 1884
    WWW: http://www.mybankathome.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9359
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: December 21, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 333 N Main Street, Burden, KS 67019
    County: Cowley
    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): Winfield, KS (#49060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $16.7 mil
    Equity capital: $1.4 mil
    Deposits held in domestic offices: $15.2 mil
    Return on assets (ROA): 0.52% ($0.1 mil)
    Quarterly return on assets: 0.14% ($0.0 mil)
    Return on Equity (ROE): 6.44% ($0.1 mil)
    Quarterly return on equity: 1.69% ($0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.60% ($100.3 mil)
    Quarterly Pretax return on assets: 0.17% ($28.4 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
  • 9Total employees (full-time equivalent)
  • $16,711Total assets
  • $505Cash and due from depository institutions
  • $9Interest-bearing balances
  • $1,005Securities
  • $1,973Federal funds sold & reverse repurchase agreements
  • $12,645Net loans & leases
  • $249Loan loss allowance
  • $0Trading account assets
  • $186Bank premises and fixed assets
  • $116Other real estate owned
  • $0Goodwill and other intangibles
  • $16,711Life insurance assets
  • $281All other assets
  • $15,289Total liabilities and capital
  • $15,234Total liabilities
  • $12,350Total deposits
  • $15,234Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $55Subordinated debt
  • $1,422All other liabilities
  • $1,422Total equity capital
  • $1,422Total bank equity capital
  • $0Perpetual preferred stock
  • $72Common stock
  • $388Surplus
  • $962Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $50Income earned, not collected on loans
  • $0Earning assets
  • $116Long-term assets (5+ years)
  • $15,632Average Assets, year-to-date
  • $6,571Average Assets, quarterly
  • $17,060Volatile liabilities
  • $16,661Insider loans
  • $10,571FHLB advances
  • $16,844Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,422Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $443Restructured Loans and leases
  • $204Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $957Total interest income
  • $150Total interest expense
  • $807Net interest income
  • $30Provision for loan and lease losses
  • $114Total noninterest income
  • $0Fiduciary activities
  • $88Service charges on deposit accounts
  • $0Trading account gains & fees
  • $26Additional noninterest income
  • $788Total noninterest expense
  • $422Salaries and employee benefits
  • $107Premises and equipment expense
  • $259Additional noninterest expense
  • $103Pre-tax net operating income
  • $0Securities gains (losses)
  • $14Applicable income taxes
  • $89Income before extraordinary items
  • $0Extraordinary gains - net
  • $89Net income attributable to bank
  • $0Net charge-offs
  • $89Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.95%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 5.02%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 4.90%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 6.44%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 103.45%Credit loss provision to net charge-offs
  • 4.59%Efficiency ratio
  • 85,559Assets per employee
  • 1.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 498.00%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 83.01%Net loans and leases to core deposits
  • 83.01%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 13.45%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $17,060Average earning assets
  • $1,383Average equity
  • $16,075Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09359Emerald Bank333 N Main Street, Burden, KS 67019October 01, 1884Full Service Brick and Mortar
    1232479Oxford Branch305 East Main, Oxford, KS 67119Febuary 01, 1993Full Service Brick and Mortar

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