The Bank of Kincaid in Kincaid, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 30, 1994

The Bank of Kincaid in Kincaid, Kansas (KS)
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The Bank of Kincaid - Overview

General
FDIC Certificate #: 15935
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens Bank, National Association (#4667)
Federal Reserve ID: 1015355
Date Established: May 20, 1889
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 10167
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: April 15, 1943
Last Structure Change Effective Date: December 30, 1994
Last Structure Change Process Date: January 10, 1995
Last Data Update: January 10, 1995
Data Source Date: April 05, 2012
Location
Address: Main Street, Kincaid, KS 66039
County: Anderson
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
Financial Summary
Total assets: $12.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$13,089Cash and due from depository institutions
$725Interest-bearing balances
$0Securities
$4,309Federal funds sold & reverse repurchase agreements
$600Net loans & leases
$6,668Loan loss allowance
$141Trading account assets
$0Bank premises and fixed assets
$256Other real estate owned
$67Goodwill and other intangibles
$464Life insurance assets
$0All other assets
$0Total liabilities and capital
$13,089Total liabilities
$11,778Total deposits
$11,714Interest-bearing deposits
$10,128Deposits held in domestic offices
11714.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$64Total equity capital
$64Total bank equity capital
$1,311Perpetual preferred stock
$0Common stock
$150Surplus
$150Undivided profits
Memoranda
$1,011Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$61Income earned, not collected on loans
$152Earning assets
$11,577Long-term assets (5+ years)
$868Average Assets, year-to-date
$13,418Average Assets, quarterly
$13,020Volatile liabilities
$1,155Insider loans
$30FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$826Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,311Total risk weighted assets
$7,623Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$929Total interest expense
$332Net interest income
$597Provision for loan and lease losses
$50Total noninterest income
$75Fiduciary activities
$0Service charges on deposit accounts
$42Trading account gains & fees
$0Additional noninterest income
$33Total noninterest expense
$472Salaries and employee benefits
$262Premises and equipment expense
$50Additional noninterest expense
$160Pre-tax net operating income
$150Securities gains (losses)
$22Applicable income taxes
$36Income before extraordinary items
$136Extraordinary gains - net
$0Net income attributable to bank
$136Net charge-offs
$49Cash dividends
$87Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.69%Cost of funding earning assets
2.75%Net interest margin
4.94%Noninterest income to earning assets
0.62%Noninterest expense to earning assets
3.91%Net operating income to assets
0.88%Return on assets (ROA)
1.01%Pretax return on assets
1.28%Return on equity (ROE)
10.46%Retained earnings to average equity (YTD only)
3.77%Net charge-offs to loans
0.70%Credit loss provision to net charge-offs
102.04%Efficiency ratio
70,238Assets per employee
1.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.97%Loss allowance to loans
2.07%Loss allowance to noncurrent loans
231.15%Noncurrent assets plus other real estate owned to assets
0.98%Noncurrent loans to loans
0.90%Net loans and leases to deposits
56.92%Net loans and leases to core deposits
63.15%Equity capital to assets
10.02%Core capital (leverage) ratio
9.88%Tier 1 risk-based capital ratio
17.20%Total risk-based capital ratio
Memoranda
$18Average assets
$13,418Average earning assets
$1,300Average equity
$12,077Average loans

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