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

This bank is inactive as of April 01, 1999

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

  • General
  • FDIC Certificate #: 1369
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Security Bank & Trust Company (#4741)
    Federal Reserve ID: 107655
    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 #: 895
    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: April 01, 1999
    Last Structure Change Process Date: May 12, 1999
    Last Data Update: May 12, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 South Main Street, Lenora, KS 67645
    County: Norton
    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: $24.8 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 10Total employees (full-time equivalent)
  • $24,851Total assets
  • $504Cash and due from depository institutions
  • $0Interest-bearing balances
  • $14,612Securities
  • $1,070Federal funds sold & reverse repurchase agreements
  • $8,226Net loans & leases
  • $242Loan loss allowance
  • $0Trading account assets
  • $25Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $414All other assets
  • $24,851Total liabilities and capital
  • $22,002Total liabilities
  • $19,067Total deposits
  • $16,972Interest-bearing deposits
  • $19,067Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,622Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $313All other liabilities
  • $2,849Total equity capital
  • $2,849Total bank equity capital
  • $2,849Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $400Undivided profits
  • Memoranda
  • $2,349Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2Earning assets
  • $0Long-term assets (5+ years)
  • $184Average Assets, year-to-date
  • $23,908Average Assets, quarterly
  • $4,816Volatile liabilities
  • $23,559Insider loans
  • $23,934FHLB advances
  • $7,220Loans and leases held for sale
  • $16Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $997Total unused commitments
  • $0Restructured Loans and leases
  • $11,466Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $1,680Total interest income
  • $931Total interest expense
  • $749Net interest income
  • $0Provision for loan and lease losses
  • $102Total noninterest income
  • $0Fiduciary activities
  • $37Service charges on deposit accounts
  • $0Trading account gains & fees
  • $65Additional noninterest income
  • $784Total noninterest expense
  • $580Salaries and employee benefits
  • $29Premises and equipment expense
  • $175Additional noninterest expense
  • $67Pre-tax net operating income
  • $2Securities gains (losses)
  • $4Applicable income taxes
  • $65Income before extraordinary items
  • $0Extraordinary gains - net
  • $65Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$44Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.40%Yield on earning assets
  • 4.10%Cost of funding earning assets
  • 3.30%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.29%Pretax return on assets
  • 2.27%Return on equity (ROE)
  • 2.27%Retained earnings to average equity (YTD only)
  • -0.52%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 92,127Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.86%Loss allowance to noncurrent loans
  • 12100.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 43.14%Net loans and leases to core deposits
  • 56.85%Equity capital to assets
  • 11.46%Core capital (leverage) ratio
  • 11.34%Tier 1 risk-based capital ratio
  • 24.00%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $23,559Average earning assets
  • $2,861Average equity
  • $22,694Average loans

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