Lafayette County Bank of Lexington/Wellington - Overview
General
FDIC Certificate #: 9390 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:B&L Bank (#30691) Federal Reserve ID: 567857 Date Established: August 13, 1888 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 10773 FDIC's unique #: 6032 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: April 06, 2001 Last Structure Change Process Date: April 24, 2001 Last Data Update: April 24, 2001 Data Source Date: April 05, 2012
Location
Address: Missouri Highway 13 And 20th Street, Lexington, MO 64067 County: Lafayette 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: West Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
Financial Summary
Total assets: $52.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
20Total employees (full-time equivalent)
$46,156Total assets
$3,132Cash and due from depository institutions
$1,552Interest-bearing balances
$21,363Securities
$2,312Federal funds sold & reverse repurchase agreements
$17,283Net loans & leases
$358Loan loss allowance
$0Trading account assets
$318Bank premises and fixed assets
$0Other real estate owned
$844Goodwill and other intangibles
$0Life insurance assets
$904All other assets
$46,156Total liabilities and capital
$41,628Total liabilities
$40,444Total deposits
$35,385Interest-bearing deposits
$40,444Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$654Other borrowed funds
$0Subordinated debt
$530All other liabilities
$4,528Total equity capital
$4,528Total bank equity capital
$4,528Perpetual preferred stock
$0Common stock
$72Surplus
$3,485Undivided profits
Memoranda
$971Noncurrent loans and leases
$1,733Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$50Earning assets
$0Long-term assets (5+ years)
$284Average Assets, year-to-date
$42,510Average Assets, quarterly
$3,863Volatile liabilities
$44,857Insider loans
$45,611FHLB advances
$4,502Loans and leases held for sale
$567Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,733Total unused commitments
$0Restructured Loans and leases
$284Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$3,176Total interest income
$1,787Total interest expense
$1,389Net interest income
$2Provision for loan and lease losses
$260Total noninterest income
$0Fiduciary activities
$188Service charges on deposit accounts
$0Trading account gains & fees
$72Additional noninterest income
$1,092Total noninterest expense
$614Salaries and employee benefits
$93Premises and equipment expense
$385Additional noninterest expense
$555Pre-tax net operating income
$0Securities gains (losses)
$213Applicable income taxes
$342Income before extraordinary items
$0Extraordinary gains - net
$342Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$24Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.74%Yield on earning assets
4.36%Cost of funding earning assets
3.39%Net interest margin
0.63%Noninterest income to earning assets
2.66%Noninterest expense to earning assets
0.76%Net operating income to assets
0.76%Return on assets (ROA)
1.24%Pretax return on assets
7.92%Return on equity (ROE)
7.92%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
8.33%Credit loss provision to net charge-offs
23.21%Efficiency ratio
61,916Assets per employee
2.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
716.00%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.28%Net loans and leases to deposits
42.73%Net loans and leases to core deposits
48.00%Equity capital to assets
9.81%Core capital (leverage) ratio
8.18%Tier 1 risk-based capital ratio
16.26%Total risk-based capital ratio
Memoranda
$18Average assets
$44,857Average earning assets
$4,317Average equity
$41,030Average loans
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