Exchange National Bank & Trust Co. in Atchison, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Exchange National Bank & Trust Co. in Atchison, Kansas (KS)
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Exchange National Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 4619
    Status: Active
    Federal Reserve ID: 144052
    Bank Holding Company (Regulatory Top Holder): Exchange Bankshares Corporation Of Kansas (RSSDID: 1054000, Location: Atchison, KS)
    Date Established: Febuary 19, 1857
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 14175
    FDIC's unique #: 3062
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 04, 2011
    Last Structure Change Process Date: June 13, 2011
    Last Data Update: June 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Commercial Street, Atchison, KS 66002
    County: Atchison
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
    Core Based Statistical Area (CBSA): Atchison, KS (#11860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total assets: $330.5 mil
    Equity capital: $28.7 mil
    Deposits held in domestic offices: $286.5 mil
    Return on assets (ROA): 1.04% ($3.4 mil)
    Quarterly return on assets: 0.79% ($2.6 mil)
    Return on Equity (ROE): 11.38% ($3.3 mil)
    Quarterly return on equity: 8.89% ($2.6 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.57% ($5,188.6 mil)
    Quarterly Pretax return on assets: 1.25% ($4,131.1 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
  • 89Total employees (full-time equivalent)
  • $330,487Total assets
  • $36,699Cash and due from depository institutions
  • $27,736Interest-bearing balances
  • $65,598Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $216,507Net loans & leases
  • $2,818Loan loss allowance
  • $0Trading account assets
  • $5,531Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $330,487Life insurance assets
  • $6,152All other assets
  • $301,787Total liabilities and capital
  • $286,508Total liabilities
  • $260,421Total deposits
  • $286,508Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 3301.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,932Trading liabilities
  • $0Other borrowed funds
  • $2,046Subordinated debt
  • $28,700All other liabilities
  • $28,700Total equity capital
  • $28,700Total bank equity capital
  • $0Perpetual preferred stock
  • $5,672Common stock
  • $9,000Surplus
  • $14,028Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,080Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,240Income earned, not collected on loans
  • $0Earning assets
  • $2,061Long-term assets (5+ years)
  • $309,841Average Assets, year-to-date
  • $47,417Average Assets, quarterly
  • $314,733Volatile liabilities
  • $323,701Insider loans
  • $226,992FHLB advances
  • $320,086Loans and leases held for sale
  • $626Unused loan commitments
  • $626Tier 1 (core) risk-based capital
  • $28,167Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,065Restructured Loans and leases
  • $11,061Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,521Total interest income
  • $2,285Total interest expense
  • $11,236Net interest income
  • $411Provision for loan and lease losses
  • $2,961Total noninterest income
  • $175Fiduciary activities
  • $1,684Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,102Additional noninterest income
  • $8,830Total noninterest expense
  • $4,435Salaries and employee benefits
  • $1,097Premises and equipment expense
  • $3,298Additional noninterest expense
  • $4,956Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,685Applicable income taxes
  • $3,271Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,271Net income attributable to bank
  • $0Net charge-offs
  • $3,271Cash dividends
  • $322Sale, conversion, retirement of capital stock, net
  • $3,097Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 11.38%Return on equity (ROE)
  • 0.61%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 127.64%Credit loss provision to net charge-offs
  • 16.67%Efficiency ratio
  • 62,196Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.68%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 227.26%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 75.57%Net loans and leases to core deposits
  • 77.86%Equity capital to assets
  • 8.68%Core capital (leverage) ratio
  • 8.80%Tier 1 risk-based capital ratio
  • 12.41%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $314,733Average earning assets
  • $28,747Average equity
  • $297,645Average 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
  • $34,463Managed Assets
  • 1Number of Accounts
  • $27,896Personal trust and agency accounts
  • $27,896Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 70Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,567Other retirement accounts
  • $0Corporate trust and agency accounts
  • $300Other fiduciary accounts
  • $5,304Fiduciary accounts held in foreign offices

List of branches

  • 10 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03062Exchange National Bank & Trust Co.600 Commercial Street, Atchison, KS 66002Febuary 19, 1857Full Service Brick and Mortar
    2203936Exchange Kansas Avenue Motor Branch712 Kansas Avenue Limited Service-Dr, Atchison, KS 66002December 18, 1979Limited Service Facility
    49707Effingham BranchMain Street, Effingham, KS 66023June 05, 1905Full Service Brick and Mortar
    5301176Atchison Country Mart Branch2016 West 59 Highway, Atchison, KS 66002April 17, 2000Full Service Brick and Mortar
    6430660Atchison Walmart Branch1920 South Us Hwy 73, Atchison, KS 66002June 30, 2004Full Service Brick and Mortar
    73134630 Delaware Branch630 Delaware Street, Leavenworth, KS 66048January 01, 1856Full Service Brick and Mortar
    8204026Drive-In Branch701 Shawnee Street, Leavenworth, KS 66048May 09, 1960Limited Service Facility
    9204027First National South Branch5035 4th Street Trafficway, Leavenworth, KS 66048March 06, 1989Full Service Brick and Mortar
    1035872Easton Branch216 W Riley, Easton, KS 66020August 07, 1986Full Service Brick and Mortar
    11479083Lansing Branch - Towne Centre Branch399 Centre Drive, Lansing, KS 66043August 06, 2007Full Service Brick and Mortar

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