First Commercial Bank, National Association in Overland Park, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 30, 1997

  • First Commercial Bank, National Association in Overland Park, Kansas (KS)
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First Commercial Bank, National Association - Overview

  • General
  • FDIC Certificate #: 34133
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Enterprise Banking, National Association (#4696)
    Federal Reserve ID: 2396574
    Date Established: Febuary 20, 1996
    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)
    OTS Docket #: 14710
    FDIC's unique #: 56276
    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: Febuary 20, 1996
    Last Structure Change Effective Date: December 30, 1997
    Last Structure Change Process Date: January 15, 1998
    Last Data Update: October 19, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 12695 Metcalf Avenue, Overland Park, KS 66213
    County: Johnson
    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: $43.3 mil

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8Total assets
  • $27,449Cash and due from depository institutions
  • $832Interest-bearing balances
  • $0Securities
  • $4,631Federal funds sold & reverse repurchase agreements
  • $3,475Net loans & leases
  • $15,803Loan loss allowance
  • $185Trading account assets
  • $0Bank premises and fixed assets
  • $2,401Other real estate owned
  • $0Goodwill and other intangibles
  • $307Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $27,449Total liabilities
  • $22,277Total deposits
  • $22,221Interest-bearing deposits
  • $19,820Deposits held in domestic offices
  • 22221.00%% insured (estimated)
  • $66Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $56Total equity capital
  • $56Total bank equity capital
  • $5,172Perpetual preferred stock
  • $0Common stock
  • $3,414Surplus
  • $2,276Undivided profits
  • Memoranda
  • $-518Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $96Earning assets
  • $23,909Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $19,536Average Assets, quarterly
  • $25,152Volatile liabilities
  • $2,367Insider loans
  • $2,696FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,022Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,172Total risk weighted assets
  • $20,168Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,016Total interest expense
  • $515Net interest income
  • $501Provision for loan and lease losses
  • $185Total noninterest income
  • $12Fiduciary activities
  • $0Service charges on deposit accounts
  • $10Trading account gains & fees
  • $0Additional noninterest income
  • $2Total noninterest expense
  • $846Salaries and employee benefits
  • $421Premises and equipment expense
  • $199Additional noninterest expense
  • $226Pre-tax net operating income
  • -$518Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • -$518Extraordinary gains - net
  • $0Net income attributable to bank
  • -$518Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $5,690Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 5.88%Cost of funding earning assets
  • 2.98%Net interest margin
  • 2.90%Noninterest income to earning assets
  • 0.07%Noninterest expense to earning assets
  • 4.90%Net operating income to assets
  • -2.65%Return on assets (ROA)
  • -2.65%Pretax return on assets
  • -2.65%Return on equity (ROE)
  • -9.90%Retained earnings to average equity (YTD only)
  • -9.90%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 164,912Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 71.12%Net loans and leases to core deposits
  • 79.60%Equity capital to assets
  • 18.84%Core capital (leverage) ratio
  • 21.05%Tier 1 risk-based capital ratio
  • 25.64%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $19,536Average earning assets
  • $5,231Average equity
  • $17,265Average loans

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