FDIC Certificate #: 17647 Status: Inactive Closing history: Consolidated - Without Assistance Acquiring institution:The Coldwater Native Bank (#4645) Federal Reserve ID: 379658 Date Established: January 01, 1909 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 11612 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: August 23, 1956 Last Structure Change Effective Date: August 01, 2001 Last Structure Change Process Date: August 10, 2001 Last Data Update: August 10, 2001 Data Source Date: April 05, 2012
Location
Address: Main Street, Wilmore, KS 67155 County: Comanche 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
Financial Summary
Total assets: $4.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
2Total employees (full-time equivalent)
$4,786Total assets
$225Cash and due from depository institutions
$0Interest-bearing balances
$2,649Securities
$1,374Federal funds sold & reverse repurchase agreements
$466Net loans & leases
$56Loan loss allowance
$0Trading account assets
$16Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$56All other assets
$4,786Total liabilities and capital
$3,850Total liabilities
$3,796Total deposits
$3,552Interest-bearing deposits
$3,796Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$54All other liabilities
$936Total equity capital
$936Total bank equity capital
$936Perpetual preferred stock
$0Common stock
$25Surplus
$75Undivided profits
Memoranda
$836Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$10Average Assets, year-to-date
$4,489Average Assets, quarterly
$317Volatile liabilities
$4,528Insider loans
$4,563FHLB advances
$755Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$18Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$281Total interest income
$131Total interest expense
$150Net interest income
-$10Provision for loan and lease losses
$8Total noninterest income
$0Fiduciary activities
$8Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$135Total noninterest expense
$89Salaries and employee benefits
$9Premises and equipment expense
$37Additional noninterest expense
$33Pre-tax net operating income
$0Securities gains (losses)
$7Applicable income taxes
$26Income before extraordinary items
$0Extraordinary gains - net
$26Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$7Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.57%Yield on earning assets
3.06%Cost of funding earning assets
3.51%Net interest margin
0.19%Noninterest income to earning assets
3.16%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.73%Pretax return on assets
2.76%Return on equity (ROE)
2.02%Retained earnings to average equity (YTD only)
-0.35%Net charge-offs to loans
500.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
85,443Assets per employee
2.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
26.92%Loss allowance to loans
10.73%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
12.28%Net loans and leases to core deposits
15.32%Equity capital to assets
19.56%Core capital (leverage) ratio
20.94%Tier 1 risk-based capital ratio
68.96%Total risk-based capital ratio
Memoranda
$70Average assets
$4,528Average earning assets
$943Average equity
$4,275Average loans
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