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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