The Exchange Bank of Clyde, Clyde, Kansas in Clyde, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1998

  • The Exchange Bank of Clyde, Clyde, Kansas in Clyde, Kansas (KS)
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The Exchange Bank of Clyde, Clyde, Kansas - Overview

  • General
  • FDIC Certificate #: 4641
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Peoples Exchange Bank (#4629)
    Federal Reserve ID: 783853
    Date Established: January 01, 1920
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 3079
    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: August 01, 1998
    Last Structure Change Process Date: August 26, 1998
    Last Data Update: August 26, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 413 Washington Street, Clyde, KS 66938
    County: Cloud
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $13.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $13,701Total assets
  • $453Cash and due from depository institutions
  • $100Interest-bearing balances
  • $3,612Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $9,066Net loans & leases
  • $185Loan loss allowance
  • $0Trading account assets
  • $264Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $256All other assets
  • $13,701Total liabilities and capital
  • $12,394Total liabilities
  • $12,213Total deposits
  • $10,908Interest-bearing deposits
  • $12,213Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $37Other borrowed funds
  • $0Subordinated debt
  • $144All other liabilities
  • $1,307Total equity capital
  • $1,307Total bank equity capital
  • $1,307Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $200Undivided profits
  • Memoranda
  • $907Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $186Average Assets, year-to-date
  • $12,828Average Assets, quarterly
  • $100Volatile liabilities
  • $14,207Insider loans
  • $14,217FHLB advances
  • $1,667Loans and leases held for sale
  • $502Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,774Total unused commitments
  • $0Restructured Loans and leases
  • $9,965Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $1,112Total interest income
  • $523Total interest expense
  • $589Net interest income
  • $26Provision for loan and lease losses
  • $48Total noninterest income
  • $0Fiduciary activities
  • $37Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11Additional noninterest income
  • $403Total noninterest expense
  • $242Salaries and employee benefits
  • $76Premises and equipment expense
  • $85Additional noninterest expense
  • $208Pre-tax net operating income
  • -$4Securities gains (losses)
  • $67Applicable income taxes
  • $137Income before extraordinary items
  • $0Extraordinary gains - net
  • $137Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $12Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.38%Yield on earning assets
  • 3.94%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 11.10%Return on equity (ROE)
  • 10.13%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
  • 63,265Assets per employee
  • 1.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.76%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 74.23%Net loans and leases to core deposits
  • 85.67%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 9.22%Tier 1 risk-based capital ratio
  • 13.05%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $14,207Average earning assets
  • $1,234Average equity
  • $13,277Average loans

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