The Coldwater Native Bank in Coldwater, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 09, 2010

  • The Coldwater Native Bank in Coldwater, Kansas (KS)
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The Coldwater Native Bank - Overview

  • General
  • FDIC Certificate #: 4645
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Bank of Protection (#23099)
    Federal Reserve ID: 908759
    Date Established: January 01, 1886
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 3083
    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: January 01, 1934
    Last Structure Change Effective Date: October 09, 2010
    Last Structure Change Process Date: December 07, 2010
    Last Data Update: December 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 145 East Main Street, Coldwater, KS 67029
    County: Comanche
    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
  • Financial Summary
  • Total assets: $12.7 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
  • 5Total employees (full-time equivalent)
  • $14,897Total assets
  • $909Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,001Securities
  • $6,745Federal funds sold & reverse repurchase agreements
  • $2,052Net loans & leases
  • $23Loan loss allowance
  • $0Trading account assets
  • $56Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $134All other assets
  • $14,897Total liabilities and capital
  • $12,020Total liabilities
  • $11,960Total deposits
  • $9,416Interest-bearing deposits
  • $11,960Deposits held in domestic offices
  • 75.15%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $60All other liabilities
  • $2,877Total equity capital
  • $2,877Total bank equity capital
  • $2,877Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $250Undivided profits
  • Memoranda
  • $2,527Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $11Earning assets
  • $0Long-term assets (5+ years)
  • $46Average Assets, year-to-date
  • $13,798Average Assets, quarterly
  • $1,347Volatile liabilities
  • $14,103Insider loans
  • $13,933FHLB advances
  • $100Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $23Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $373Total interest income
  • $55Total interest expense
  • $318Net interest income
  • $0Provision for loan and lease losses
  • $33Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1Additional noninterest income
  • $346Total noninterest expense
  • $232Salaries and employee benefits
  • $39Premises and equipment expense
  • $75Additional noninterest expense
  • $5Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $5Income before extraordinary items
  • $0Extraordinary gains - net
  • $5Net income attributable to bank
  • $0Net charge-offs
  • $5Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.89%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 2.47%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.04%Pretax return on assets
  • 0.17%Return on equity (ROE)
  • 0.17%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.56%Efficiency ratio
  • 98,575Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 209.09%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 17.16%Net loans and leases to core deposits
  • 17.30%Equity capital to assets
  • 19.31%Core capital (leverage) ratio
  • 20.60%Tier 1 risk-based capital ratio
  • 60.61%Total risk-based capital ratio
  • Memoranda
  • $61Average assets
  • $14,103Average earning assets
  • $2,906Average equity
  • $12,886Average loans

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