FDIC Certificate #: 25340 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Bank of Commerce (#26217) Federal Reserve ID: 421155 Date Established: August 22, 1984 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 17527 Numeric code: 13 Regulator: FED 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: August 22, 1984 Last Structure Change Effective Date: Febuary 26, 2010 Last Structure Change Process Date: March 08, 2010 Last Data Update: March 08, 2010 Data Source Date: April 05, 2012
Location
Address: 115 Neosha, Thayer, KS 66776 County: Neosho 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 Summary
Total assets: $9.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
3Total employees (full-time equivalent)
$9,110Total assets
$3,277Cash and due from depository institutions
$3,044Interest-bearing balances
$1,863Securities
$16Federal funds sold & reverse repurchase agreements
$3,713Net loans & leases
$44Loan loss allowance
$0Trading account assets
$125Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$116All other assets
$9,109Total liabilities and capital
$8,230Total liabilities
$8,224Total deposits
$6,213Interest-bearing deposits
$8,224Deposits held in domestic offices
96.99%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$6All other liabilities
$879Total equity capital
$879Total bank equity capital
$879Perpetual preferred stock
$0Common stock
$332Surplus
$332Undivided profits
Memoranda
$215Noncurrent loans and leases
$93Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$46Average Assets, year-to-date
$8,636Average Assets, quarterly
$826Volatile liabilities
$9,227Insider loans
$9,171FHLB advances
$416Loans and leases held for sale
$90Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$93Total unused commitments
$0Restructured Loans and leases
$44Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$352Total interest income
$79Total interest expense
$273Net interest income
$0Provision for loan and lease losses
$96Total noninterest income
$0Fiduciary activities
$70Service charges on deposit accounts
$0Trading account gains & fees
$26Additional noninterest income
$311Total noninterest expense
$139Salaries and employee benefits
$44Premises and equipment expense
$128Additional noninterest expense
$58Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
$56Income before extraordinary items
$0Extraordinary gains - net
$56Net income attributable to bank
$0Net charge-offs
$56Cash dividends
$0Sale, conversion, retirement of capital stock, net
$21Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
0.91%Cost of funding earning assets
3.13%Net interest margin
1.10%Noninterest income to earning assets
3.57%Noninterest expense to earning assets
0.61%Net operating income to assets
0.61%Return on assets (ROA)
0.63%Pretax return on assets
6.55%Return on equity (ROE)
4.09%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
84,282Assets per employee
3.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.50%Loss allowance to loans
1.17%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
45.15%Net loans and leases to core deposits
47.55%Equity capital to assets
9.65%Core capital (leverage) ratio
9.42%Tier 1 risk-based capital ratio
22.72%Total risk-based capital ratio
Memoranda
$24Average assets
$9,227Average earning assets
$855Average equity
$8,723Average loans
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