FDIC Certificate #: 4719 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Midwest Community Bank (#10925) Federal Reserve ID: 118352 Date Established: January 01, 1903 WWW:http://www.fnblincoln.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 3140 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 23, 2004 Last Structure Change Process Date: Febuary 13, 2004 Last Data Update: Febuary 13, 2004 Data Source Date: April 05, 2012
Location
Address: 100 West Lincoln, Lincoln, KS 67455 County: Lincoln 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: $21.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
9Total employees (full-time equivalent)
$21,182Total assets
$867Cash and due from depository institutions
$195Interest-bearing balances
$2,952Securities
$1,300Federal funds sold & reverse repurchase agreements
$15,367Net loans & leases
$206Loan loss allowance
$0Trading account assets
$251Bank premises and fixed assets
$43Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$402All other assets
$21,182Total liabilities and capital
$19,649Total liabilities
$18,065Total deposits
$16,289Interest-bearing deposits
$18,065Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,500Other borrowed funds
$0Subordinated debt
$84All other liabilities
$1,533Total equity capital
$1,533Total bank equity capital
$1,533Perpetual preferred stock
$0Common stock
$180Surplus
$315Undivided profits
Memoranda
$1,038Noncurrent loans and leases
$696Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$262Earning assets
$0Long-term assets (5+ years)
$222Average Assets, year-to-date
$19,814Average Assets, quarterly
$2,099Volatile liabilities
$20,219Insider loans
$20,525FHLB advances
$3,268Loans and leases held for sale
$544Unused loan commitments
$1,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$696Total unused commitments
$0Restructured Loans and leases
$164Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$1,211Total interest income
$397Total interest expense
$814Net interest income
$0Provision for loan and lease losses
$80Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$653Total noninterest expense
$391Salaries and employee benefits
$69Premises and equipment expense
$193Additional noninterest expense
$241Pre-tax net operating income
$5Securities gains (losses)
$14Applicable income taxes
$232Income before extraordinary items
$0Extraordinary gains - net
$232Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$23Sale, conversion, retirement of capital stock, net
$130Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.41%Yield on earning assets
2.10%Cost of funding earning assets
4.31%Net interest margin
0.42%Noninterest income to earning assets
3.45%Noninterest expense to earning assets
1.12%Net operating income to assets
1.15%Return on assets (ROA)
1.22%Pretax return on assets
15.45%Return on equity (ROE)
6.79%Retained earnings to average equity (YTD only)
-0.16%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
73,043Assets per employee
2.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.03%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
78.63%Noncurrent assets plus other real estate owned to assets
1.44%Noncurrent loans to loans
1.68%Net loans and leases to deposits
85.07%Net loans and leases to core deposits
103.85%Equity capital to assets
7.24%Core capital (leverage) ratio
7.46%Tier 1 risk-based capital ratio
11.72%Total risk-based capital ratio
Memoranda
$13Average assets
$20,219Average earning assets
$1,502Average equity
$18,900Average loans
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