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

  • The Exchange National Bank of Cottonwood Falls in Cottonwood Falls, Kansas (KS)
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The Exchange National Bank of Cottonwood Falls - Overview

  • General
  • FDIC Certificate #: 4650
    Status: Active
    Federal Reserve ID: 821456
    Date Established: January 01, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 3088
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 235 Broadway, Cottonwood Falls, KS 66845
    County: Chase
    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
    Core Based Statistical Area (CBSA): Emporia, KS (#21380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $31.8 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $28.1 mil
    Return on assets (ROA): -0.16% (-$0.1 mil)
    Quarterly return on assets: -0.76% (-$0.2 mil)
    Return on Equity (ROE): -1.59% (-$0.0 mil)
    Quarterly return on equity: -7.16% (-$0.2 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.17% (-$54.0 mil)
    Quarterly Pretax return on assets: -0.83% (-$263.9 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, 2011)

  • Dollar figures in thousands
  • 9Total employees (full-time equivalent)
  • $31,794Total assets
  • $2,923Cash and due from depository institutions
  • $1,932Interest-bearing balances
  • $8,666Securities
  • $15Federal funds sold & reverse repurchase agreements
  • $19,482Net loans & leases
  • $355Loan loss allowance
  • $0Trading account assets
  • $127Bank premises and fixed assets
  • $12Other real estate owned
  • $0Goodwill and other intangibles
  • $31,793Life insurance assets
  • $569All other assets
  • $28,331Total liabilities and capital
  • $28,102Total liabilities
  • $22,209Total deposits
  • $28,102Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20Trading liabilities
  • $0Other borrowed funds
  • $209Subordinated debt
  • $3,462All other liabilities
  • $3,462Total equity capital
  • $3,462Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $325Surplus
  • $3,062Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $214Long-term assets (5+ years)
  • $30,095Average Assets, year-to-date
  • $6,679Average Assets, quarterly
  • $33,443Volatile liabilities
  • $32,300Insider loans
  • $20,500FHLB advances
  • $33,018Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,168Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,493Restructured Loans and leases
  • $2,258Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,291Total interest income
  • $178Total interest expense
  • $1,113Net interest income
  • $14Provision for loan and lease losses
  • $121Total noninterest income
  • $0Fiduciary activities
  • $56Service charges on deposit accounts
  • $0Trading account gains & fees
  • $65Additional noninterest income
  • $1,345Total noninterest expense
  • $764Salaries and employee benefits
  • $102Premises and equipment expense
  • $479Additional noninterest expense
  • -$125Pre-tax net operating income
  • $67Securities gains (losses)
  • -$5Applicable income taxes
  • -$53Income before extraordinary items
  • $0Extraordinary gains - net
  • -$53Net income attributable to bank
  • $0Net charge-offs
  • -$53Cash dividends
  • $33Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.05%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • -0.34%Net operating income to assets
  • -0.16%Return on assets (ROA)
  • -0.17%Pretax return on assets
  • -1.59%Return on equity (ROE)
  • -1.59%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 42.42%Credit loss provision to net charge-offs
  • -3.36%Efficiency ratio
  • 108,995Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 69.33%Net loans and leases to core deposits
  • 72.14%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 9.59%Tier 1 risk-based capital ratio
  • 15.45%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $33,443Average earning assets
  • $3,342Average equity
  • $31,910Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03088The Exchange National Bank Of Cotton235 Broadway, Cottonwood Falls, KS 66845January 01, 1903Full Service Brick and Mortar

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