FDIC Certificate #: 57273 Status: Active Federal Reserve ID: 3041358 Bank Holding Company (Regulatory Top Holder): First Commerce Financial Corporation (RSSDID: 3123366, Location: Marysville, KS) Date Established: August 21, 2002 WWW:http://www.firstcommercebankonline.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 52503 FDIC's unique #: 360535 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: August 21, 2002 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: October 07, 2010 Last Data Update: October 07, 2010 Data Source Date: April 05, 2012
Location
Address: 902 Broadway, Marysville, KS 66508 County: Marshall 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
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $48.6 mil Equity capital: $5.6 mil Deposits held in domestic offices: $37.8 mil Return on assets (ROA): 1.70% ($0.8 mil) Quarterly return on assets: 1.81% ($0.9 mil) Return on Equity (ROE): 15.42% ($0.9 mil) Quarterly return on equity: 16.27% ($1.0 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.79% ($869.3 mil) Quarterly Pretax return on assets: 1.89% ($917.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$48,565Total assets
$4,918Cash and due from depository institutions
$3,515Interest-bearing balances
$1,422Securities
$655Federal funds sold & reverse repurchase agreements
$40,215Net loans & leases
$467Loan loss allowance
$0Trading account assets
$361Bank premises and fixed assets
$72Other real estate owned
$0Goodwill and other intangibles
$48,565Life insurance assets
$922All other assets
$42,972Total liabilities and capital
$37,830Total liabilities
$32,770Total deposits
$37,830Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,100Trading liabilities
$0Other borrowed funds
$42Subordinated debt
$5,593All other liabilities
$5,593Total equity capital
$5,593Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$2,835Surplus
$1,258Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$45Income earned, not collected on loans
$0Earning assets
$399Long-term assets (5+ years)
$45,807Average Assets, year-to-date
$20,578Average Assets, quarterly
$47,917Volatile liabilities
$49,163Insider loans
$35,337FHLB advances
$49,818Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,572Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,071Restructured Loans and leases
$1,919Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,377Total interest income
$549Total interest expense
$1,828Net interest income
$45Provision for loan and lease losses
$185Total noninterest income
$0Fiduciary activities
$162Service charges on deposit accounts
$0Trading account gains & fees
$23Additional noninterest income
$1,125Total noninterest expense
$665Salaries and employee benefits
$102Premises and equipment expense
$358Additional noninterest expense
$843Pre-tax net operating income
$14Securities gains (losses)
$41Applicable income taxes
$816Income before extraordinary items
$0Extraordinary gains - net
$816Net income attributable to bank
$0Net charge-offs
$816Cash dividends
-$7Sale, conversion, retirement of capital stock, net
$600Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
1.20%Cost of funding earning assets
3.99%Net interest margin
0.40%Noninterest income to earning assets
2.45%Noninterest expense to earning assets
1.68%Net operating income to assets
1.70%Return on assets (ROA)
1.79%Pretax return on assets
15.42%Return on equity (ROE)
4.08%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-642.86%Credit loss provision to net charge-offs
0.00%Efficiency ratio
55,887Assets per employee
5.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
73.53%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
1037.78%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.11%Net loans and leases to deposits
106.30%Net loans and leases to core deposits
108.64%Equity capital to assets
11.52%Core capital (leverage) ratio
11.18%Tier 1 risk-based capital ratio
15.77%Total risk-based capital ratio
Memoranda
$17Average assets
$47,917Average earning assets
$5,290Average equity
$45,850Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
360535
First Commerce Bank
902 Broadway, Marysville, KS 66508
August 21, 2002
Full Service Brick and Mortar
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