Metcalf Bank in Overland Park, Kansas (KS)

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Metcalf Bank
GeneralFDIC Certificate #: 18531
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Metcalf Bank (#26247)
Federal Reserve ID: 522557
Date Established: June 12, 1962
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
OTS Docket #: 11536
FDIC's unique #: 12423
Numeric code: 21
Regulator: FDIC
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: June 12, 1962
Last Structure Change Effective Date: April 26, 2008
Last Structure Change Process Date: May 29, 2008
Last Data Update: May 29, 2008
Data Source Date: April 05, 2012
LocationAddress: 79th And Metcalf Streets, Overland Park, KS 66204
County: Johnson
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
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 SummaryTotal assets: $341.1 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, 2007)
(Dollar figures in thousands)
Total employees (full-time equivalent)103
Total assets$339,341
Cash and due from depository institutions$11,434
Interest-bearing balances$1,351
Federal funds sold & reverse repurchase agreements$21,800
Net loans & leases$180,824
Loan loss allowance $2,138
Trading account assets$0
Bank premises and fixed assets$11,061
Other real estate owned$120
Goodwill and other intangibles$56,634
All other assets$3,368
Life insurance assets$0
Total liabilities and capital$339,341
Total liabilities$262,153
Total deposits$238,417
Interest-bearing deposits$173,896
Deposits held in domestic offices$238,417
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $11,146
Trading liabilities$0
Other borrowed funds $10,000
Subordinated debt $0
All other liabilities $2,590
Total equity capital$77,188
Total bank equity capital$77,188
Perpetual preferred stock$77,188
Common stock$0
Undivided profits $75,162
Noncurrent loans and leases $976
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $52,636
Income earned, not collected on loans $0
Earning assets $53
Long-term assets (5+ years) $0
Average Assets, year-to-date $1,369
Average Assets, quarterly $258,075
Volatile liabilities $11,601
Insider loans $297,560
FHLB advances $335,102
Loans and leases held for sale $24,555
Unused loan commitments $850
Tier 1 (core) risk-based capital $10,000
Tier 2 risk-based capital $511
Total risk weighted assets $431
Total unused commitments $52,636
Restructured Loans and leases $0
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Income and Expense (December 31, 2007)
(Dollar figures in thousands)
Total interest income $5,750
Total interest expense $1,874
Net interest income $3,876
Provision for loan and lease losses $138
Total noninterest income $1,158
Fiduciary activities $57
Service charges on deposit accounts $701
Trading account gains & fees $0
Additional noninterest income $400
Total noninterest expense $3,623
Salaries and employee benefits $1,802
Premises and equipment expense $484
Additional noninterest expense $1,337
Pre-tax net operating income $1,273
Securities gains (losses) $0
Applicable income taxes $498
Income before extraordinary items $775
Extraordinary gains - net $0
Net income attributable to bank $775
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $67
Net operating income $0
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Performance and Condition Ratios (December 31, 2007)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets2.27%
Cost of funding earning assets 0.74%
Net interest margin 1.53%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 1.43%
Net operating income to assets 0.26%
Return on assets (ROA) 0.26%
Pretax return on assets 0.43%
Return on equity (ROE) 1.72%
Retained earnings to average equity (YTD only) 1.72%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 205.97%
Efficiency ratio21.06%
Assets per employee$64,561
Cash dividends to net income (YTD only)3.29%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.17%
Noncurrent assets plus other real estate owned to assets 4033.96%
Noncurrent loans to loans 0.05%
Net loans and leases to deposits0.03%
Net loans and leases to core deposits 75.84%
Equity capital to assets 80.36%
Core capital (leverage) ratio 22.75%
Tier 1 risk-based capital ratio 7.41%
Total risk-based capital ratio 9.51%
Average assets$11
Average earning assets$297,560
Average equity $45,110
Average loans $253,193
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Total Fiduciary and Related Assets (December 31, 2007)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$80,001
Number of Accounts1
Personal trust and agency accounts$78,787
Employee benefit-defined contribution accounts$13,142
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$19,878
Investment management agency accounts$2,808
Other fiduciary accounts$1,458
Fiduciary accounts held in foreign offices$0
Non-managed Assets$41,501
Number of Accounts50
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,214
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,214
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