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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