First Community Federal Savings and Loan Association in Winfield, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 04, 1994

First Community Federal Savings and Loan Association in Winfield, Kansas (KS)
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First Community Federal Savings and Loan Association - Overview

General
FDIC Certificate #: 27729
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Commerce Bank, National Association (#4802)
Federal Reserve ID: 902074
Date Established: January 01, 1886
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 186
FDIC's unique #: 40563
Numeric code: 37
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: December 05, 1938
Last Structure Change Effective Date: April 04, 1994
Last Structure Change Process Date: April 14, 1994
Last Data Update: April 14, 1994
Data Source Date: April 05, 2012
Location
Address: 321 East Tenth Street, Winfield, KS 67156
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
Financial Summary
Total assets: $148.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$63Total assets
$156,382Cash and due from depository institutions
$2,056Interest-bearing balances
$1,622Securities
$66,252Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$76,630Loan loss allowance
$336Trading account assets
$0Bank premises and fixed assets
$1,934Other real estate owned
$286Goodwill and other intangibles
$9,224Life insurance assets
$0All other assets
$0Total liabilities and capital
$156,382Total liabilities
$145,790Total deposits
$106,111Interest-bearing deposits
$103,638Deposits held in domestic offices
106111.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$38,376Subordinated debt
$0All other liabilities
$1,303Total equity capital
$1,303Total bank equity capital
$10,592Perpetual preferred stock
$0Common stock
$330Surplus
$2,083Undivided profits
Memoranda
$8,179Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$415Income earned, not collected on loans
$616Earning assets
$144,504Long-term assets (5+ years)
$0Average Assets, year-to-date
$165,816Average Assets, quarterly
$159,128Volatile liabilities
$47,683Insider loans
$1,005FHLB advances
$37,898Loans and leases held for sale
$0Unused loan commitments
$1,599Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,544Total risk weighted assets
$59,789Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$11,750Total interest expense
$7,468Net interest income
$4,282Provision for loan and lease losses
$155Total noninterest income
$969Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$969Total noninterest expense
$3,656Salaries and employee benefits
$1,935Premises and equipment expense
$638Additional noninterest expense
$1,083Pre-tax net operating income
$1,440Securities gains (losses)
$142Applicable income taxes
$451Income before extraordinary items
$1,131Extraordinary gains - net
$0Net income attributable to bank
$1,131Net charge-offs
$94Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.67%Cost of funding earning assets
4.88%Net interest margin
2.80%Noninterest income to earning assets
0.63%Noninterest expense to earning assets
2.39%Net operating income to assets
0.62%Return on assets (ROA)
0.68%Pretax return on assets
0.95%Return on equity (ROE)
11.27%Retained earnings to average equity (YTD only)
11.27%Net charge-offs to loans
0.13%Credit loss provision to net charge-offs
164.89%Efficiency ratio
69,625Assets per employee
2.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.44%Loss allowance to noncurrent loans
80.96%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
0.54%Net loans and leases to deposits
72.22%Net loans and leases to core deposits
79.16%Equity capital to assets
6.77%Core capital (leverage) ratio
6.74%Tier 1 risk-based capital ratio
17.64%Total risk-based capital ratio
Memoranda
$18Average assets
$165,816Average earning assets
$10,033Average equity
$153,190Average loans

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