Commercial State Bank of Bonner Springs - Overview
General
FDIC Certificate #: 13732 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Union Bank and Trust Company (#13421) Federal Reserve ID: 5050 Date Established: January 01, 1918 WWW:http://www.csbbonner.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 13045 FDIC's unique #: 8584 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 01, 2006 Last Structure Change Process Date: June 06, 2006 Last Data Update: June 06, 2006 Data Source Date: April 05, 2012
Location
Address: 309 Oak Street, Bonner Springs, KS 66012 County: Wyandotte 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 Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
Financial Summary
Total assets: $108.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
30Total employees (full-time equivalent)
$87,619Total assets
$2,909Cash and due from depository institutions
$184Interest-bearing balances
$28,359Securities
$0Federal funds sold & reverse repurchase agreements
$53,632Net loans & leases
$657Loan loss allowance
$0Trading account assets
$1,457Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,262All other assets
$87,619Total liabilities and capital
$80,317Total liabilities
$75,043Total deposits
$63,597Interest-bearing deposits
$75,043Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,850Other borrowed funds
$0Subordinated debt
$424All other liabilities
$7,302Total equity capital
$7,302Total bank equity capital
$7,302Perpetual preferred stock
$0Common stock
$400Surplus
$1,400Undivided profits
Memoranda
$5,502Noncurrent loans and leases
$7,692Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$97Earning assets
$0Long-term assets (5+ years)
$746Average Assets, year-to-date
$82,175Average Assets, quarterly
$12,798Volatile liabilities
$86,841Insider loans
$88,380FHLB advances
$20,416Loans and leases held for sale
$4,581Unused loan commitments
$4,850Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,692Total unused commitments
$0Restructured Loans and leases
$657Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$4,949Total interest income
$1,545Total interest expense
$3,404Net interest income
-$91Provision for loan and lease losses
$897Total noninterest income
$0Fiduciary activities
$571Service charges on deposit accounts
$0Trading account gains & fees
$326Additional noninterest income
$2,573Total noninterest expense
$1,496Salaries and employee benefits
$326Premises and equipment expense
$751Additional noninterest expense
$1,819Pre-tax net operating income
$0Securities gains (losses)
$74Applicable income taxes
$1,745Income before extraordinary items
$0Extraordinary gains - net
$1,745Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$13Sale, conversion, retirement of capital stock, net
$4,714Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.07%Yield on earning assets
1.90%Cost of funding earning assets
4.18%Net interest margin
1.10%Noninterest income to earning assets
3.16%Noninterest expense to earning assets
2.01%Net operating income to assets
2.01%Return on assets (ROA)
2.09%Pretax return on assets
23.27%Return on equity (ROE)
-39.58%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
-700.00%Credit loss provision to net charge-offs
132.92%Efficiency ratio
59,823Assets per employee
2.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
270.14%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
677.32%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.18%Net loans and leases to deposits
71.47%Net loans and leases to core deposits
90.17%Equity capital to assets
8.33%Core capital (leverage) ratio
8.32%Tier 1 risk-based capital ratio
12.91%Total risk-based capital ratio
Memoranda
$14Average assets
$86,841Average earning assets
$7,500Average equity
$81,468Average loans
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