UMB National Bank of America in Salina, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • UMB National Bank of America in Salina, Kansas (KS)
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UMB National Bank of America - Overview

  • General
  • FDIC Certificate #: 4768
    Status: Active
    Federal Reserve ID: 597555
    Bank Holding Company (Regulatory Top Holder): Umb Financial Corporation (RSSDID: 1049828, Location: Kansas City, MO)
    Date Established: January 01, 1887
    WWW: http://www.umb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 15 (Domestic: 7, Interstate: No)
    FDIC's unique #: 3182
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 South Santa Fe Avenue, Salina, KS 67401
    County: Saline
    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
    Core Based Statistical Area (CBSA): Salina, KS (#41460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $825.6 mil
    Equity capital: $68.6 mil
    Deposits held in domestic offices: $401.1 mil
    Return on assets (ROA): 1.11% ($9.2 mil)
    Quarterly return on assets: 1.00% ($8.3 mil)
    Return on Equity (ROE): 12.59% ($8.7 mil)
    Quarterly return on equity: 10.67% ($7.4 mil)
    Net income: $7.9 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 1.66% ($13,705.3 mil)
    Quarterly Pretax return on assets: 1.49% ($12,301.7 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, 2011)

  • Dollar figures in thousands
  • 89Total employees (full-time equivalent)
  • $825,618Total assets
  • $19,825Cash and due from depository institutions
  • $8,064Interest-bearing balances
  • $393,229Securities
  • $190,049Federal funds sold & reverse repurchase agreements
  • $206,957Net loans & leases
  • $1,960Loan loss allowance
  • $0Trading account assets
  • $2,959Bank premises and fixed assets
  • $0Other real estate owned
  • $6,364Goodwill and other intangibles
  • $825,618Life insurance assets
  • $6,235All other assets
  • $757,003Total liabilities and capital
  • $401,106Total liabilities
  • $317,125Total deposits
  • $401,106Interest-bearing deposits
  • $66Deposits held in domestic offices
  • 350749.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,148Subordinated debt
  • $68,615All other liabilities
  • $68,615Total equity capital
  • $68,615Total bank equity capital
  • $0Perpetual preferred stock
  • $3,150Common stock
  • $50,844Surplus
  • $14,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,878Income earned, not collected on loans
  • $0Earning assets
  • $3,226Long-term assets (5+ years)
  • $798,299Average Assets, year-to-date
  • $206,402Average Assets, quarterly
  • $713,264Volatile liabilities
  • $724,382Insider loans
  • $311,049FHLB advances
  • $650,148Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $58,620Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,481Restructured Loans and leases
  • $9,425Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,343Total interest income
  • $1,486Total interest expense
  • $15,857Net interest income
  • $360Provision for loan and lease losses
  • $4,513Total noninterest income
  • $0Fiduciary activities
  • $2,078Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,435Additional noninterest income
  • $9,462Total noninterest expense
  • $4,720Salaries and employee benefits
  • $882Premises and equipment expense
  • $3,860Additional noninterest expense
  • $10,548Pre-tax net operating income
  • $1,282Securities gains (losses)
  • $3,934Applicable income taxes
  • $7,896Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,896Net income attributable to bank
  • $0Net charge-offs
  • $7,896Cash dividends
  • $338Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.51%Yield on earning assets
  • 0.21%Cost of funding earning assets
  • 2.29%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 1.37%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 12.59%Return on equity (ROE)
  • 12.59%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 106.51%Credit loss provision to net charge-offs
  • 32.27%Efficiency ratio
  • 46,451Assets per employee
  • 9.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 50.54%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 1.86%Net loans and leases to deposits
  • 51.60%Net loans and leases to core deposits
  • 61.83%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 18.85%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $713,264Average earning assets
  • $62,740Average equity
  • $692,300Average loans

List of branches

  • 15 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03182Umb National Bank Of America100 South Santa Fe Avenue, Salina, KS 67401January 01, 1887Full Service Brick and Mortar
    1204082Gold Star Facility2368 Century Plaza Drive, Salina, KS 67401December 16, 1974Limited Service Facility
    211684Russell Branch507 Main Street, Russell, KS 67665March 27, 1889Full Service Brick and Mortar
    68821Hudson BranchMain Street, Hudson, KS 67545January 01, 1904Full Service Brick and Mortar
    711671Manhattan Branch529 Humboldt Street, Manhattan, KS 66502January 01, 1905Full Service Brick and Mortar
    8242542Anderson Avenue Branch2700 Anderson Avenue, Manhattan, KS 66502January 21, 1976Limited Service Facility
    123055Abilene Branch400 North Broadway, Abilene, KS 67410October 06, 1906Full Service Brick and Mortar
    13204083Overland Park Branch7109 West 80th Street, Overland Park, KS 66204April 26, 1997Limited Service Contractual
    14204084Blue Valley Branch7128 West 119th Street, Overland Park, KS 66210April 26, 1997Limited Service Contractual
    15204085Olathe Branch700 East Santa Fe, Olathe, KS 66061April 26, 1997Limited Service Contractual
    16204086Lawrence Branch1441 Wakarusa Drive, Lawrence, KS 66049April 26, 1997Limited Service Contractual
    17204087Fort Scott Branch324 South National, Fort Scott, KS 66701April 26, 1997Limited Service Contractual
    18204088Atchison Branch626 Commercial, Atchison, KS 66002April 26, 1997Limited Service Contractual
    19204089Capital Branch2100 Southeast 29th Street, Topeka, KS 67401April 26, 1997Limited Service Contractual
    20204090Kansas City Branch601 Minnesota Avenue, Kansas City, KS 66101April 26, 1997Limited Service Contractual

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