The Bank of Commerce in Udall, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 24, 2004

  • The Bank of Commerce in Udall, Kansas (KS)
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The Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 15524
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The State Bank (#1151)
    Federal Reserve ID: 64253
    Date Established: June 03, 1896
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 9821
    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: August 10, 1937
    Last Structure Change Effective Date: July 24, 2004
    Last Structure Change Process Date: August 04, 2004
    Last Data Update: August 04, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 119 West First Street, Udall, KS 67146
    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: $8.4 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, 2003)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $7,856Total assets
  • $801Cash and due from depository institutions
  • $0Interest-bearing balances
  • $4,471Securities
  • $587Federal funds sold & reverse repurchase agreements
  • $1,919Net loans & leases
  • $30Loan loss allowance
  • $0Trading account assets
  • $31Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $47All other assets
  • $7,856Total liabilities and capital
  • $6,857Total liabilities
  • $6,838Total deposits
  • $4,857Interest-bearing deposits
  • $6,838Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $19All other liabilities
  • $999Total equity capital
  • $999Total bank equity capital
  • $999Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $450Undivided profits
  • Memoranda
  • $499Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1Earning assets
  • $0Long-term assets (5+ years)
  • $42Average Assets, year-to-date
  • $6,977Average Assets, quarterly
  • $827Volatile liabilities
  • $7,869Insider loans
  • $8,019FHLB advances
  • $0Loans and leases held for sale
  • $44Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $30Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $307Total interest income
  • $32Total interest expense
  • $275Net interest income
  • $0Provision for loan and lease losses
  • $48Total noninterest income
  • $0Fiduciary activities
  • $39Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $274Total noninterest expense
  • $167Salaries and employee benefits
  • $39Premises and equipment expense
  • $68Additional noninterest expense
  • $49Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $41Income before extraordinary items
  • $0Extraordinary gains - net
  • $41Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $65Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 3.93%Return on equity (ROE)
  • -2.30%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
  • 84,830Assets per employee
  • 1.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 158.54%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 3000.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 28.06%Net loans and leases to core deposits
  • 28.06%Equity capital to assets
  • 12.72%Core capital (leverage) ratio
  • 11.86%Tier 1 risk-based capital ratio
  • 44.20%Total risk-based capital ratio
  • Memoranda
  • $46Average assets
  • $7,869Average earning assets
  • $1,044Average equity
  • $7,027Average loans

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