FDIC Certificate #: 1875 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:The Eastern Colorado Bank (#16125) Federal Reserve ID: 797159 Date Established: December 03, 1903 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) OTS Docket #: 13706 FDIC's unique #: 1251 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: August 13, 2010 Last Structure Change Process Date: August 30, 2010 Last Data Update: August 30, 2010 Data Source Date: April 05, 2012
Location
Address: 316-320 South Main Street, Erie, KS 66733 County: Neosho Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $26.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
7Total employees (full-time equivalent)
$20,982Total assets
$3,623Cash and due from depository institutions
$3,319Interest-bearing balances
$6,639Securities
$0Federal funds sold & reverse repurchase agreements
$10,235Net loans & leases
$107Loan loss allowance
$0Trading account assets
$182Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$303All other assets
$20,982Total liabilities and capital
$19,127Total liabilities
$19,103Total deposits
$16,654Interest-bearing deposits
$19,103Deposits held in domestic offices
70.10%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$24All other liabilities
$1,855Total equity capital
$1,855Total bank equity capital
$1,855Perpetual preferred stock
$0Common stock
$200Surplus
$479Undivided profits
Memoranda
$1,176Noncurrent loans and leases
$1,462Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$135Average Assets, year-to-date
$20,193Average Assets, quarterly
$2,306Volatile liabilities
$21,107Insider loans
$20,390FHLB advances
$2,559Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,462Total unused commitments
$0Restructured Loans and leases
$107Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$914Total interest income
$168Total interest expense
$746Net interest income
$0Provision for loan and lease losses
$134Total noninterest income
$0Fiduciary activities
$118Service charges on deposit accounts
$0Trading account gains & fees
$16Additional noninterest income
$652Total noninterest expense
$312Salaries and employee benefits
$126Premises and equipment expense
$214Additional noninterest expense
$228Pre-tax net operating income
$0Securities gains (losses)
$12Applicable income taxes
$216Income before extraordinary items
$0Extraordinary gains - net
$216Net income attributable to bank
$0Net charge-offs
$216Cash dividends
$0Sale, conversion, retirement of capital stock, net
$95Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.63%Yield on earning assets
0.85%Cost of funding earning assets
3.78%Net interest margin
0.68%Noninterest income to earning assets
3.30%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.08%Pretax return on assets
12.08%Return on equity (ROE)
6.77%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,091Assets per employee
3.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.98%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
53.58%Net loans and leases to core deposits
61.87%Equity capital to assets
8.84%Core capital (leverage) ratio
8.14%Tier 1 risk-based capital ratio
18.82%Total risk-based capital ratio
Memoranda
$20Average assets
$21,107Average earning assets
$1,788Average equity
$19,741Average loans
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