FDIC Certificate #: 34170 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:UMB Bank, National Association (#8273) Federal Reserve ID: 2346579 Date Established: May 01, 1996 WWW:http://www.umb.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 56827 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: May 01, 1996 Last Structure Change Effective Date: August 01, 2004 Last Structure Change Process Date: September 07, 2004 Last Data Update: September 07, 2004 Data Source Date: April 05, 2012
Location
Address: 114 West 15th Street, Falls City, NE 68355 County: Richardson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Omaha Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $120.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
15Total employees (full-time equivalent)
$128,774Total assets
$1,808Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$120,734Net loans & leases
$2,725Loan loss allowance
$0Trading account assets
$58Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$6,174All other assets
$128,774Total liabilities and capital
$103,295Total liabilities
$541Total deposits
$0Interest-bearing deposits
$541Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$100,375Other borrowed funds
$0Subordinated debt
$2,379All other liabilities
$25,479Total equity capital
$25,479Total bank equity capital
$25,479Perpetual preferred stock
$0Common stock
$5,000Surplus
$9,459Undivided profits
Memoranda
$11,020Noncurrent loans and leases
$657,209Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,781Earning assets
$0Long-term assets (5+ years)
$752Average Assets, year-to-date
$120,734Average Assets, quarterly
$0Volatile liabilities
$157,541Insider loans
$146,858FHLB advances
$100,375Loans and leases held for sale
$512Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$657,209Total unused commitments
$0Restructured Loans and leases
$1,620Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$17,356Total interest income
$1,439Total interest expense
$15,917Net interest income
$4,927Provision for loan and lease losses
$10,405Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$10,405Additional noninterest income
$9,037Total noninterest expense
$419Salaries and employee benefits
$41Premises and equipment expense
$8,577Additional noninterest expense
$12,358Pre-tax net operating income
$0Securities gains (losses)
$4,486Applicable income taxes
$7,872Income before extraordinary items
$0Extraordinary gains - net
$7,872Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$4,927Sale, conversion, retirement of capital stock, net
$8,470Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
11.62%Yield on earning assets
0.96%Cost of funding earning assets
10.66%Net interest margin
6.97%Noninterest income to earning assets
6.05%Noninterest expense to earning assets
5.00%Net operating income to assets
5.00%Return on assets (ROA)
7.84%Pretax return on assets
30.39%Return on equity (ROE)
-2.31%Retained earnings to average equity (YTD only)
3.23%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
3.51%Efficiency ratio
34,332Assets per employee
8.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
107.60%Loss allowance to loans
2.21%Loss allowance to noncurrent loans
97.99%Noncurrent assets plus other real estate owned to assets
2.16%Noncurrent loans to loans
2.25%Net loans and leases to deposits
22316.82%Net loans and leases to core deposits
22316.82%Equity capital to assets
19.79%Core capital (leverage) ratio
20.79%Tier 1 risk-based capital ratio
19.83%Total risk-based capital ratio
Memoranda
$21Average assets
$157,541Average earning assets
$25,900Average equity
$149,371Average loans
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