Emprise Bank in Wichita, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Emprise Bank - Overview

  • General
  • FDIC Certificate #: 4789
    Status: Active
    Federal Reserve ID: 65858
    Bank Holding Company (Regulatory Top Holder): Emprise Financial Corporation (RSSDID: 1135824, Location: Wichita, KS)
    Date Established: May 21, 1910
    WWW: http://www.emprisebank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 42 (Domestic: 42, Interstate: No)
    OTS Docket #: 14120
    FDIC's unique #: 3199
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 26, 2011
    Last Structure Change Process Date: April 13, 2011
    Last Data Update: April 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 257 North Broadway Street, Wichita, KS 67202
    County: Sedgwick
    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
    Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $1,461.9 mil
    Equity capital: $142.8 mil
    Deposits held in domestic offices: $1,282.4 mil
    Return on assets (ROA): 1.33% ($19.4 mil)
    Quarterly return on assets: 1.26% ($18.4 mil)
    Return on Equity (ROE): 14.04% ($20.1 mil)
    Quarterly return on equity: 12.77% ($18.3 mil)
    Net income: $19.4 mil
    Quarterly Net income: $4.6 mil
    Pretax return on assets: 1.39% ($20,319.8 mil)
    Quarterly Pretax return on assets: 1.30% ($19,004.2 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
  • 426Total employees (full-time equivalent)
  • $1,461,858Total assets
  • $67,038Cash and due from depository institutions
  • $25,281Interest-bearing balances
  • $568,972Securities
  • $16Federal funds sold & reverse repurchase agreements
  • $729,023Net loans & leases
  • $10,598Loan loss allowance
  • $0Trading account assets
  • $36,358Bank premises and fixed assets
  • $2,769Other real estate owned
  • $26,144Goodwill and other intangibles
  • $1,461,858Life insurance assets
  • $31,538All other assets
  • $1,319,080Total liabilities and capital
  • $1,282,378Total liabilities
  • $1,008,611Total deposits
  • $1,282,378Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $30,250Trading liabilities
  • $0Other borrowed funds
  • $6,452Subordinated debt
  • $142,778All other liabilities
  • $142,778Total equity capital
  • $142,778Total bank equity capital
  • $0Perpetual preferred stock
  • $20,000Common stock
  • $68,999Surplus
  • $53,779Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,248Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,968Income earned, not collected on loans
  • $876Earning assets
  • $5,878Long-term assets (5+ years)
  • $1,323,292Average Assets, year-to-date
  • $426,497Average Assets, quarterly
  • $1,458,396Volatile liabilities
  • $1,449,616Insider loans
  • $891,871FHLB advances
  • $1,423,195Loans and leases held for sale
  • $11,621Unused loan commitments
  • $10,425Tier 1 (core) risk-based capital
  • $109,226Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,196Total unused commitments
  • $263,868Restructured Loans and leases
  • $11,510Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $59,638Total interest income
  • $8,054Total interest expense
  • $51,584Net interest income
  • $1,800Provision for loan and lease losses
  • $16,334Total noninterest income
  • $1,689Fiduciary activities
  • $8,255Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,390Additional noninterest income
  • $42,850Total noninterest expense
  • $23,381Salaries and employee benefits
  • $7,001Premises and equipment expense
  • $12,468Additional noninterest expense
  • $23,268Pre-tax net operating income
  • -$3,056Securities gains (losses)
  • $815Applicable income taxes
  • $19,397Income before extraordinary items
  • $0Extraordinary gains - net
  • $19,397Net income attributable to bank
  • $0Net charge-offs
  • $19,397Cash dividends
  • $2,656Sale, conversion, retirement of capital stock, net
  • $16,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.88%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 1.53%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 14.04%Return on equity (ROE)
  • 2.39%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 67.77%Credit loss provision to net charge-offs
  • 9.44%Efficiency ratio
  • 62,537Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 213.33%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 56.85%Net loans and leases to core deposits
  • 60.60%Equity capital to assets
  • 9.77%Core capital (leverage) ratio
  • 7.67%Tier 1 risk-based capital ratio
  • 12.25%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,458,396Average earning assets
  • $138,187Average equity
  • $1,328,295Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $286,557Managed Assets
  • 1Number of Accounts
  • $219,873Personal trust and agency accounts
  • $47,220Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $24,214Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $142,533Other fiduciary accounts
  • $5,906Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 320Number of Accounts
  • $0Personal trust and agency accounts
  • $24,214Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $66,684Other retirement accounts
  • $0Corporate trust and agency accounts
  • $63,690Other fiduciary accounts
  • $1,737Fiduciary accounts held in foreign offices

List of branches

  • 42 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03199Emprise Bank257 North Broadway Street, Wichita, KS 67202May 21, 1910Full Service Brick and Mortar
    2204106Detached Facility2323 South Hydraulic Street, Wichita, KS 67211November 29, 1976Full Service Brick and Mortar
    3204107Drive-In Facility6030 East Central, Wichita, KS 67208August 10, 1978Full Service Brick and Mortar
    412912West Central Street Branch3900 West Central Street, Wichita, KS 67203April 06, 1964Full Service Brick and Mortar
    5247269Westlink Facility8807 West Central Street, Wichita, KS 67212April 06, 1978Full Service Brick and Mortar
    8241159Detached Facility2433 South Seneca, Wichita, KS 67217Febuary 21, 1978Full Service Brick and Mortar
    9241160Brittany Facility2140 North Woodlawn, Wichita, KS 67208December 07, 1981Full Service Brick and Mortar
    10241161North Broadway Branch2001 North Broadway, Wichita, KS 67214January 01, 1989Full Service Brick and Mortar
    15272772Valley Center Branch100 North Meridian, Valley Center, KS 67147June 30, 1989Full Service Brick and Mortar
    16204109Wichita Branch4833 South Broadway Street, Wichita, KS 67216November 20, 1998Full Service Brick and Mortar
    17204110Andover Branch406 South Andover Road, Andover, KS 67002December 18, 1998Full Service Brick and Mortar
    1911241Potwin Emprise Branch100 South Randall, Potwin, KS 67123January 01, 1904Full Service Brick and Mortar
    20364630El Dorado Branch200 North Main, El Dorado, KS 67042August 19, 2002Full Service Brick and Mortar
    21364782New Market Square Branch10620 W 21st St. N, Wichita, KS 67205October 22, 2001Full Service Brick and Mortar
    229448Eureka Main Branch418 North Main Street, Eureka, KS 67045April 03, 1935Full Service Brick and Mortar
    233196Toronto Main Branch207 West Main, Toronto, KS 66777June 15, 1903Full Service Brick and Mortar
    243114Emprise National Hays Branch1200 Main Street, Hays, KS 67601May 01, 1888Full Service Brick and Mortar
    25203991Handy Bank - East Branch1011 East 27th Street, Hays, KS 67601Febuary 25, 1974Full Service Brick and Mortar
    26203992Handy Bank-West Branch2701 Hall Street, Hays, KS 67601July 15, 1982Full Service Brick and Mortar
    273116Hillsboro Branch104 East Grand, Hillsboro, KS 67063January 01, 1891Full Service Brick and Mortar
    283089Council Grove Branch20 South Mission, Council Grove, KS 66846August 21, 1878Full Service Brick and Mortar
    29203993Lawrence Branch2435 Iowa Street, Lawrence, KS 66046July 29, 1991Full Service Brick and Mortar
    30422926West Lawrence Branch1121 Wakarusa Drive, Lawrence, KS 66049September 02, 2003Full Service Brick and Mortar
    319035Iola Branch1 West Madison Street, Iola, KS 66749December 31, 1885Full Service Brick and Mortar
    32231516Drive-In Branch919 North State Street, Iola, KS 66749August 15, 1974Limited Service Facility
    3314424Moran Main Branch247 N. Cedar, Moran, KS 66755November 20, 1972Full Service Brick and Mortar
    34203995Chanute Branch17 South Lincoln, Chanute, KS 66720October 17, 1990Full Service Brick and Mortar
    3556276Humboldt Branch201 South Ninth Street, Humboldt, KS 66748Febuary 20, 1996Full Service Brick and Mortar
    368000Augusta - Downtown512 State Street, Augusta, KS 67010December 03, 1918Full Service Brick and Mortar
    37227512Augusta - Country Club1700 Ohio Street, Augusta, KS 67010December 22, 1975Full Service Brick and Mortar
    38227513Augusta - West538 W. 7th St., Augusta, KS 67010November 03, 1980Full Service Brick and Mortar
    39274107Mulvane Branch1840 North Rock Road, Mulvane, KS 67110December 21, 1934Full Service Brick and Mortar
    4016137Maize Branch10320 W. 53rd Street North, Maize, KS 67101Febuary 04, 1980Full Service Brick and Mortar
    41227514Wichita Branch7030 West 21st Street North, Wichita, KS 67205May 05, 1995Full Service Brick and Mortar
    4217247Haysville Branch330 North Main, Haysville, KS 67060December 01, 1983Full Service Brick and Mortar
    4322751521st & Webb Branch9485 East 21st Street North, Wichita, KS 67206August 04, 1997Full Service Brick and Mortar
    44227517Rose Hill Branch1402 North Rose Hill Road, Rose Hill, KS 67133August 26, 1999Full Service Brick and Mortar
    45251105Goddard East Branch701 North Goddard Road, Goddard, KS 67052August 17, 1996Full Service Brick and Mortar
    46419258Park City Branch1610 East 61st Street North, Park City, KS 67219March 03, 2003Full Service Brick and Mortar
    47469765Emprise Bank Derby1719 East Patriot, Derby, KS 67037November 13, 2007Full Service Brick and Mortar
    48469766Emprise Bank Southeast11111 East Harry, Wichita, KS 67207November 13, 2007Full Service Brick and Mortar
    4911614Clearwater Branch201 East Ross Avenue, Clearwater, KS 67026January 01, 1905Full Service Brick and Mortar

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