UMB-First Bank & Trust, National Association in Concordia, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1994

  • UMB-First Bank & Trust, National Association in Concordia, Kansas (KS)
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UMB-First Bank & Trust, National Association - Overview

  • General
  • FDIC Certificate #: 4674
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: UMB National Bank of America (#4768)
    Federal Reserve ID: 666255
    Date Established: April 01, 1890
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 3106
    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: 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: 130 East Seventh Street, Concordia, KS 66901
    County: Cloud
    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: $69.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $34Total assets
  • $72,201Cash and due from depository institutions
  • $1,591Interest-bearing balances
  • $0Securities
  • $52,017Federal funds sold & reverse repurchase agreements
  • $360Net loans & leases
  • $12,784Loan loss allowance
  • $880Trading account assets
  • $0Bank premises and fixed assets
  • $1,002Other real estate owned
  • $35Goodwill and other intangibles
  • $1,294Life insurance assets
  • $3,118All other assets
  • $0Total liabilities and capital
  • $72,201Total liabilities
  • $63,193Total deposits
  • $60,612Interest-bearing deposits
  • $56,041Deposits held in domestic offices
  • 60612.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $2,050Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $531Total equity capital
  • $531Total bank equity capital
  • $9,008Perpetual preferred stock
  • $0Common stock
  • $1,056Surplus
  • $7,851Undivided profits
  • Memoranda
  • $101Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $388Income earned, not collected on loans
  • $240Earning assets
  • $65,161Long-term assets (5+ years)
  • $7,029Average Assets, year-to-date
  • $73,218Average Assets, quarterly
  • $72,003Volatile liabilities
  • $3,163Insider loans
  • $101FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,582Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,860Total risk weighted assets
  • $18,987Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,010Total interest expense
  • $1,163Net interest income
  • $847Provision for loan and lease losses
  • -$70Total noninterest income
  • $308Fiduciary activities
  • $0Service charges on deposit accounts
  • $211Trading account gains & fees
  • $0Additional noninterest income
  • $97Total noninterest expense
  • $1,164Salaries and employee benefits
  • $536Premises and equipment expense
  • $126Additional noninterest expense
  • $502Pre-tax net operating income
  • $61Securities gains (losses)
  • $112Applicable income taxes
  • $102Income before extraordinary items
  • $71Extraordinary gains - net
  • $0Net income attributable to bank
  • $71Net charge-offs
  • -$69Cash 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
  • 3.00%Cost of funding earning assets
  • 1.73%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 0.46%Noninterest expense to earning assets
  • 1.74%Net operating income to assets
  • -0.00%Return on assets (ROA)
  • 0.10%Pretax return on assets
  • 0.24%Return on equity (ROE)
  • 0.96%Retained earnings to average equity (YTD only)
  • 0.96%Net charge-offs to loans
  • -0.42%Credit loss provision to net charge-offs
  • 101.45%Efficiency ratio
  • 85,714Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.44%Loss allowance to noncurrent loans
  • 226.80%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 2.84%Net loans and leases to deposits
  • 21.09%Net loans and leases to core deposits
  • 21.49%Equity capital to assets
  • 12.48%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 30.86%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $73,218Average earning assets
  • $7,418Average equity
  • $67,086Average loans

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