The Farmers and Merchants State Bank of Derby in Derby, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 28, 1993

The Farmers and Merchants State Bank of Derby in Derby, Kansas (KS)
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The Farmers and Merchants State Bank of Derby - Overview

General
FDIC Certificate #: 17396
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank IV, National Association (#4800)
Federal Reserve ID: 913155
Date Established: May 03, 1907
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11394
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: Febuary 14, 1955
Last Structure Change Effective Date: May 28, 1993
Last Structure Change Process Date: July 23, 1993
Last Data Update: July 23, 1993
Data Source Date: April 05, 2012
Location
Address: 330 East Madison Street, Derby, KS 67037
County: Sedgwick
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: $61.3 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$29Total assets
$62,168Cash and due from depository institutions
$3,440Interest-bearing balances
$0Securities
$26,761Federal funds sold & reverse repurchase agreements
$800Net loans & leases
$28,948Loan loss allowance
$377Trading account assets
$0Bank premises and fixed assets
$1,292Other real estate owned
$314Goodwill and other intangibles
$613Life insurance assets
$0All other assets
$0Total liabilities and capital
$62,168Total liabilities
$56,954Total deposits
$56,701Interest-bearing deposits
$48,596Deposits held in domestic offices
56701.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$253Total equity capital
$253Total bank equity capital
$5,214Perpetual preferred stock
$0Common stock
$1,500Surplus
$1,500Undivided profits
Memoranda
$2,214Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$46Income earned, not collected on loans
$156Earning assets
$56,509Long-term assets (5+ years)
$6,475Average Assets, year-to-date
$58,963Average Assets, quarterly
$62,350Volatile liabilities
$1,426Insider loans
$572FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,650Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,214Total risk weighted assets
$31,640Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$4,361Total interest expense
$2,102Net interest income
$2,259Provision for loan and lease losses
$10Total noninterest income
$486Fiduciary activities
$0Service charges on deposit accounts
$280Trading account gains & fees
$0Additional noninterest income
$206Total noninterest expense
$1,948Salaries and employee benefits
$816Premises and equipment expense
$230Additional noninterest expense
$902Pre-tax net operating income
$787Securities gains (losses)
$670Applicable income taxes
$596Income before extraordinary items
$861Extraordinary gains - net
$550Net income attributable to bank
$1,411Net charge-offs
-$14Cash dividends
$175Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.04%Cost of funding earning assets
3.88%Net interest margin
4.17%Noninterest income to earning assets
0.90%Noninterest expense to earning assets
3.59%Net operating income to assets
0.73%Return on assets (ROA)
2.39%Pretax return on assets
3.40%Return on equity (ROE)
31.61%Retained earnings to average equity (YTD only)
27.69%Net charge-offs to loans
-0.05%Credit loss provision to net charge-offs
-71.43%Efficiency ratio
70,965Assets per employee
2.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.40%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
819.57%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.16%Net loans and leases to deposits
51.05%Net loans and leases to core deposits
52.37%Equity capital to assets
8.39%Core capital (leverage) ratio
8.23%Tier 1 risk-based capital ratio
16.48%Total risk-based capital ratio
Memoranda
$18Average assets
$58,963Average earning assets
$4,463Average equity
$54,224Average loans

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