FDIC Certificate #: 28919 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Commercial Federal Bank, a Federal Savings Bank (#30341) Federal Reserve ID: 59071 Date Established: January 01, 1925 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 2622 FDIC's unique #: 41753 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: September 21, 1935 Last Structure Change Effective Date: Febuary 27, 1998 Last Structure Change Process Date: March 18, 1998 Last Data Update: March 21, 1998 Data Source Date: April 05, 2012
Location
Address: 405 N Main, El Dorado, KS 67042 County: Butler 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 Metropolitan Statistical Area (MSA): Wichita, KS (#9040) Combined Statistical Area (CSA): Wichita-Winfield, KS (#556) Core Based Statistical Area (CBSA): Wichita, KS (#48620) CBSA Metro Statistical Area: Wichita, KS (#48620)
Financial Summary
Total assets: $412.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
170Total employees (full-time equivalent)
$412,719Total assets
$16,911Cash and due from depository institutions
$10,554Interest-bearing balances
$93,484Securities
$0Federal funds sold & reverse repurchase agreements
$267,555Net loans & leases
$780Loan loss allowance
$0Trading account assets
$7,091Bank premises and fixed assets
$11Other real estate owned
$14,114Goodwill and other intangibles
$0Life insurance assets
$13,553All other assets
$412,719Total liabilities and capital
$375,556Total liabilities
$269,748Total deposits
$260,647Interest-bearing deposits
$269,748Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$102,310Other borrowed funds
$0Subordinated debt
$3,498All other liabilities
$37,163Total equity capital
$37,163Total bank equity capital
$37,163Perpetual preferred stock
$0Common stock
$10Surplus
$11,307Undivided profits
Memoranda
$25,846Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,068Earning assets
$0Long-term assets (5+ years)
$1,602Average Assets, year-to-date
$371,593Average Assets, quarterly
$0Volatile liabilities
$392,284Insider loans
$409,362FHLB advances
$185,385Loans and leases held for sale
$242Unused loan commitments
$99,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$98,805Total unused commitments
$0Restructured Loans and leases
$169,189Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$27,696Total interest income
$17,645Total interest expense
$10,051Net interest income
$471Provision for loan and lease losses
$7,270Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$7,270Additional noninterest income
$10,849Total noninterest expense
$6,399Salaries and employee benefits
$1,820Premises and equipment expense
$2,630Additional noninterest expense
$6,001Pre-tax net operating income
$704Securities gains (losses)
$2,628Applicable income taxes
$4,077Income before extraordinary items
$0Extraordinary gains - net
$4,077Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$26Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.78%Yield on earning assets
4.96%Cost of funding earning assets
2.82%Net interest margin
2.04%Noninterest income to earning assets
3.05%Noninterest expense to earning assets
0.92%Net operating income to assets
1.04%Return on assets (ROA)
1.71%Pretax return on assets
11.63%Return on equity (ROE)
11.63%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-1811.54%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,571Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.29%Loss allowance to noncurrent loans
73.03%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.40%Net loans and leases to deposits
99.19%Net loans and leases to core deposits
143.33%Equity capital to assets
9.00%Core capital (leverage) ratio
9.00%Tier 1 risk-based capital ratio
21.97%Total risk-based capital ratio
Memoranda
$22Average assets
$392,284Average earning assets
$35,056Average equity
$356,008Average loans
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