UMB Security State Bank in Fort Scott, Kansas (KS)



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UMB Security State Bank
GeneralFDIC Certificate #: 18488
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: UMB Bank Kansas, National Association (#8109)
Federal Reserve ID: 657655
Date Established: March 10, 1962
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 12383
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: March 10, 1962
Last Structure Change Effective Date: May 02, 1994
Last Structure Change Process Date: May 23, 1994
Last Data Update: May 23, 1994
Data Source Date: April 05, 2012
LocationAddress: Fourth And National, Fort Scott, KS 66701
County: Bourbon
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial SummaryTotal assets: $41.0 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$25
Cash and due from depository institutions$41,727
Interest-bearing balances$2,467
Securities$197
Federal funds sold & reverse repurchase agreements$18,017
Net loans & leases$200
Loan loss allowance $17,139
Trading account assets$721
Bank premises and fixed assets$0
Other real estate owned$1,152
Goodwill and other intangibles$553
All other assets$1,589
Life insurance assets$610
Total liabilities and capital$0
Total liabilities$41,727
Total deposits$36,733
Interest-bearing deposits$36,462
Deposits held in domestic offices$32,063
% insured (estimated)36462.00%
Federal funds purchased & repurchase agreements $100
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $0
Total equity capital$271
Total bank equity capital$271
Perpetual preferred stock$4,994
Common stock$0
Surplus$225
Undivided profits $4,688
Memoranda
Noncurrent loans and leases $81
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $864
Earning assets $173
Long-term assets (5+ years) $35,553
Average Assets, year-to-date $2,584
Average Assets, quarterly $42,053
Volatile liabilities $42,167
Insider loans $2,466
FHLB advances $10
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $1,064
Tier 2 risk-based capital $0
Total risk weighted assets $3,405
Total unused commitments $19,110
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 1993)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $1,379
Net interest income $676
Provision for loan and lease losses $703
Total noninterest income $0
Fiduciary activities $181
Service charges on deposit accounts $0
Trading account gains & fees $154
Additional noninterest income $0
Total noninterest expense $27
Salaries and employee benefits $779
Premises and equipment expense $340
Additional noninterest expense $107
Pre-tax net operating income $332
Securities gains (losses) $105
Applicable income taxes $29
Income before extraordinary items $44
Extraordinary gains - net $90
Net income attributable to bank $0
Net charge-offs $90
Cash dividends $146
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 1993)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 3.79%
Net interest margin 1.86%
Noninterest income to earning assets 1.93%
Noninterest expense to earning assets 0.50%
Net operating income to assets 2.14%
Return on assets (ROA) 0.17%
Pretax return on assets 0.21%
Return on equity (ROE) 0.32%
Retained earnings to average equity (YTD only) 2.22%
Net charge-offs to loans 2.22%
Credit loss provision to net charge-offs 0.73%
Efficiency ratio0.00%
Assets per employee$79,412
Cash dividends to net income (YTD only)1.67%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.04%
Noncurrent assets plus other real estate owned to assets 83.45%
Noncurrent loans to loans 3.40%
Net loans and leases to deposits4.84%
Net loans and leases to core deposits 47.01%
Equity capital to assets 50.41%
Core capital (leverage) ratio 11.97%
Tier 1 risk-based capital ratio 8.29%
Total risk-based capital ratio 17.82%
Memoranda
Average assets$19
Average earning assets$42,053
Average equity $4,062
Average loans $36,417
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