UMB Citizens Bank and Trust Company in Manhattan, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1994

  • UMB Citizens Bank and Trust Company in Manhattan, Kansas (KS)
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UMB Citizens Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 17712
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: UMB National Bank of America (#4768)
    Federal Reserve ID: 158059
    Date Established: January 01, 1905
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 11671
    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: January 17, 1957
    Last Structure Change Effective Date: July 01, 1994
    Last Structure Change Process Date: July 15, 1994
    Last Data Update: July 15, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 6th And Humboldt Streets, Manhattan, KS 66502
    County: Riley
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Manhattan, KS (#31740)
    CBSA Metro Statistical Area: Manhattan, KS (#31740)
  • Financial Summary
  • Total assets: $104.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $45Total assets
  • $106,938Cash and due from depository institutions
  • $4,469Interest-bearing balances
  • $79Securities
  • $44,142Federal funds sold & reverse repurchase agreements
  • $2,375Net loans & leases
  • $48,994Loan loss allowance
  • $1,155Trading account assets
  • $0Bank premises and fixed assets
  • $1,354Other real estate owned
  • $0Goodwill and other intangibles
  • $1,121Life insurance assets
  • $4,483All other assets
  • $0Total liabilities and capital
  • $106,938Total liabilities
  • $88,611Total deposits
  • $85,616Interest-bearing deposits
  • $69,496Deposits held in domestic offices
  • 85616.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $1,765Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,230Total equity capital
  • $1,230Total bank equity capital
  • $18,327Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $16,399Undivided profits
  • Memoranda
  • $728Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $668Income earned, not collected on loans
  • $341Earning assets
  • $95,590Long-term assets (5+ years)
  • $4,735Average Assets, year-to-date
  • $108,971Average Assets, quarterly
  • $107,595Volatile liabilities
  • $6,974Insider loans
  • $2,026FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,706Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,844Total risk weighted assets
  • $54,550Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,975Total interest expense
  • $1,825Net interest income
  • $2,150Provision for loan and lease losses
  • $0Total noninterest income
  • $499Fiduciary activities
  • $52Service charges on deposit accounts
  • $400Trading account gains & fees
  • $0Additional noninterest income
  • $47Total noninterest expense
  • $1,765Salaries and employee benefits
  • $806Premises and equipment expense
  • $178Additional noninterest expense
  • $781Pre-tax net operating income
  • $884Securities gains (losses)
  • $1Applicable income taxes
  • $157Income before extraordinary items
  • $728Extraordinary gains - net
  • $0Net income attributable to bank
  • $728Net charge-offs
  • $51Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.01%Cost of funding earning assets
  • 1.84%Net interest margin
  • 2.17%Noninterest income to earning assets
  • 0.50%Noninterest expense to earning assets
  • 1.78%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 0.81%Return on equity (ROE)
  • 4.62%Retained earnings to average equity (YTD only)
  • 4.62%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 60,249Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.30%Loss allowance to noncurrent loans
  • 172.90%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 57.23%Net loans and leases to core deposits
  • 60.93%Equity capital to assets
  • 17.14%Core capital (leverage) ratio
  • 13.56%Tier 1 risk-based capital ratio
  • 25.38%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $108,971Average earning assets
  • $15,770Average equity
  • $99,155Average loans

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