Fidelity State Bank in Garden City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 24, 1998

  • Fidelity State Bank in Garden City, Kansas (KS)
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Fidelity State Bank - Overview

  • General
  • FDIC Certificate #: 8104
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commerce Bank, National Association (#10911)
    Federal Reserve ID: 925457
    Date Established: October 27, 1924
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 5156
    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: January 01, 1934
    Last Structure Change Effective Date: November 24, 1998
    Last Structure Change Process Date: Febuary 01, 1999
    Last Data Update: Febuary 01, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 215 North Main Street, Garden City, KS 67846
    County: Finney
    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): Garden City, KS (#23780)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $171.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 90Total employees (full-time equivalent)
  • $177,574Total assets
  • $13,722Cash and due from depository institutions
  • $0Interest-bearing balances
  • $40,776Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $116,773Net loans & leases
  • $2,515Loan loss allowance
  • $0Trading account assets
  • $3,555Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,748All other assets
  • $177,574Total liabilities and capital
  • $163,656Total liabilities
  • $161,710Total deposits
  • $148,423Interest-bearing deposits
  • $161,710Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,125Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $38Other borrowed funds
  • $0Subordinated debt
  • $783All other liabilities
  • $13,918Total equity capital
  • $13,918Total bank equity capital
  • $13,918Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $4,000Undivided profits
  • Memoranda
  • $8,918Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,322Earning assets
  • $0Long-term assets (5+ years)
  • $1,706Average Assets, year-to-date
  • $157,549Average Assets, quarterly
  • $3,541Volatile liabilities
  • $166,641Insider loans
  • $173,836FHLB advances
  • $34,082Loans and leases held for sale
  • $4,843Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $163Total risk weighted assets
  • $54,995Total unused commitments
  • $0Restructured Loans and leases
  • $146,691Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $12,933Total interest income
  • $6,303Total interest expense
  • $6,630Net interest income
  • $458Provision for loan and lease losses
  • $1,674Total noninterest income
  • $296Fiduciary activities
  • $493Service charges on deposit accounts
  • $0Trading account gains & fees
  • $885Additional noninterest income
  • $4,873Total noninterest expense
  • $2,700Salaries and employee benefits
  • $782Premises and equipment expense
  • $1,391Additional noninterest expense
  • $2,973Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,080Applicable income taxes
  • $1,893Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,893Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $60Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.54%Yield on earning assets
  • 4.16%Cost of funding earning assets
  • 4.38%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 14.17%Return on equity (ROE)
  • 7.43%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 763.33%Credit loss provision to net charge-offs
  • 57.18%Efficiency ratio
  • 58,683Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.54%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 190.24%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 72.21%Net loans and leases to core deposits
  • 90.70%Equity capital to assets
  • 7.84%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 9.47%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $166,641Average earning assets
  • $13,362Average equity
  • $151,426Average loans

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