First Commerce Bank in Marysville, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Commerce Bank - Overview

  • General
  • FDIC Certificate #: 57273
    Status: Active
    Federal Reserve ID: 3041358
    Bank Holding Company (Regulatory Top Holder): First Commerce Financial Corporation (RSSDID: 3123366, Location: Marysville, KS)
    Date Established: August 21, 2002
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 52503
    FDIC's unique #: 360535
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: August 21, 2002
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: October 07, 2010
    Last Data Update: October 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 902 Broadway, Marysville, KS 66508
    County: Marshall
    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
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $48.6 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $37.8 mil
    Return on assets (ROA): 1.70% ($0.8 mil)
    Quarterly return on assets: 1.81% ($0.9 mil)
    Return on Equity (ROE): 15.42% ($0.9 mil)
    Quarterly return on equity: 16.27% ($1.0 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.79% ($869.3 mil)
    Quarterly Pretax return on assets: 1.89% ($917.9 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)
  • $48,565Total assets
  • $4,918Cash and due from depository institutions
  • $3,515Interest-bearing balances
  • $1,422Securities
  • $655Federal funds sold & reverse repurchase agreements
  • $40,215Net loans & leases
  • $467Loan loss allowance
  • $0Trading account assets
  • $361Bank premises and fixed assets
  • $72Other real estate owned
  • $0Goodwill and other intangibles
  • $48,565Life insurance assets
  • $922All other assets
  • $42,972Total liabilities and capital
  • $37,830Total liabilities
  • $32,770Total deposits
  • $37,830Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,100Trading liabilities
  • $0Other borrowed funds
  • $42Subordinated debt
  • $5,593All other liabilities
  • $5,593Total equity capital
  • $5,593Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $2,835Surplus
  • $1,258Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45Income earned, not collected on loans
  • $0Earning assets
  • $399Long-term assets (5+ years)
  • $45,807Average Assets, year-to-date
  • $20,578Average Assets, quarterly
  • $47,917Volatile liabilities
  • $49,163Insider loans
  • $35,337FHLB advances
  • $49,818Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,572Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,071Restructured Loans and leases
  • $1,919Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,377Total interest income
  • $549Total interest expense
  • $1,828Net interest income
  • $45Provision for loan and lease losses
  • $185Total noninterest income
  • $0Fiduciary activities
  • $162Service charges on deposit accounts
  • $0Trading account gains & fees
  • $23Additional noninterest income
  • $1,125Total noninterest expense
  • $665Salaries and employee benefits
  • $102Premises and equipment expense
  • $358Additional noninterest expense
  • $843Pre-tax net operating income
  • $14Securities gains (losses)
  • $41Applicable income taxes
  • $816Income before extraordinary items
  • $0Extraordinary gains - net
  • $816Net income attributable to bank
  • $0Net charge-offs
  • $816Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 1.68%Net operating income to assets
  • 1.70%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 15.42%Return on equity (ROE)
  • 4.08%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -642.86%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 55,887Assets per employee
  • 5.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.53%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 1037.78%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 106.30%Net loans and leases to core deposits
  • 108.64%Equity capital to assets
  • 11.52%Core capital (leverage) ratio
  • 11.18%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $47,917Average earning assets
  • $5,290Average equity
  • $45,850Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0360535First Commerce Bank902 Broadway, Marysville, KS 66508August 21, 2002Full Service Brick and Mortar

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