The Exchange State Bank in Douglass, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 25, 1997

The Exchange State Bank in Douglass, Kansas (KS)
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The Exchange State Bank - Overview

General
FDIC Certificate #: 14206
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Cornerbank, National Association (#4803)
Federal Reserve ID: 640657
Date Established: January 01, 1899
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 8871
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: April 06, 1934
Last Structure Change Effective Date: August 25, 1997
Last Structure Change Process Date: September 10, 1997
Last Data Update: September 10, 1997
Data Source Date: April 05, 2012
Location
Address: Forest Street, Douglass, KS 67039
County: Butler
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
Metropolitan Statistical Area (MSA): Wichita, KS (#9040)
Combined Statistical Area (CSA): Wichita-Winfield, KS (#556)
Core Based Statistical Area (CBSA): Wichita, KS (#48620)
CBSA Metro Statistical Area: Wichita, KS (#48620)
Financial Summary
Total assets: $16.1 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$8Total assets
$15,110Cash and due from depository institutions
$1,068Interest-bearing balances
$83Securities
$3,452Federal funds sold & reverse repurchase agreements
$440Net loans & leases
$9,852Loan loss allowance
$163Trading account assets
$0Bank premises and fixed assets
$112Other real estate owned
$0Goodwill and other intangibles
$186Life insurance assets
$0All other assets
$0Total liabilities and capital
$15,110Total liabilities
$13,565Total deposits
$13,454Interest-bearing deposits
$11,559Deposits held in domestic offices
13454.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$111Total equity capital
$111Total bank equity capital
$1,545Perpetual preferred stock
$0Common stock
$100Surplus
$350Undivided profits
Memoranda
$1,095Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$53Income earned, not collected on loans
$136Earning assets
$13,827Long-term assets (5+ years)
$2,398Average Assets, year-to-date
$14,738Average Assets, quarterly
$14,883Volatile liabilities
$957Insider loans
$281FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$958Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,532Total risk weighted assets
$9,394Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$1,131Total interest expense
$487Net interest income
$644Provision for loan and lease losses
$27Total noninterest income
$100Fiduciary activities
$0Service charges on deposit accounts
$66Trading account gains & fees
$0Additional noninterest income
$34Total noninterest expense
$366Salaries and employee benefits
$187Premises and equipment expense
$48Additional noninterest expense
$131Pre-tax net operating income
$351Securities gains (losses)
$0Applicable income taxes
$91Income before extraordinary items
$260Extraordinary gains - net
$0Net income attributable to bank
$260Net charge-offs
$64Cash dividends
$170Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.26%Cost of funding earning assets
3.56%Net interest margin
4.70%Noninterest income to earning assets
0.73%Noninterest expense to earning assets
2.67%Net operating income to assets
1.76%Return on assets (ROA)
1.76%Pretax return on assets
2.38%Return on equity (ROE)
17.37%Retained earnings to average equity (YTD only)
6.01%Net charge-offs to loans
0.65%Credit loss provision to net charge-offs
42.19%Efficiency ratio
49,194Assets per employee
1.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
65.38%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
307.55%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.53%Net loans and leases to deposits
73.23%Net loans and leases to core deposits
78.83%Equity capital to assets
10.23%Core capital (leverage) ratio
9.99%Tier 1 risk-based capital ratio
16.31%Total risk-based capital ratio
Memoranda
$18Average assets
$14,738Average earning assets
$1,497Average equity
$13,692Average loans

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