FDIC Certificate #: 15363 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Union State Bank of Everest (#18610) Federal Reserve ID: 143158 Date Established: October 17, 1887 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 9690 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: March 14, 1936 Last Structure Change Effective Date: September 01, 2011 Last Structure Change Process Date: September 21, 2011 Last Data Update: September 21, 2011 Data Source Date: April 05, 2012
Location
Address: 117 S Union St, Mc Louth, KS 66054 County: Jefferson 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 Core Based Statistical Area (CBSA): Topeka, KS (#45820) CBSA Metro Statistical Area: Topeka, KS (#45820)
Financial Summary
Total assets: $37.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
8Total employees (full-time equivalent)
$38,658Total assets
$786Cash and due from depository institutions
$245Interest-bearing balances
$7,327Securities
$8,065Federal funds sold & reverse repurchase agreements
$21,132Net loans & leases
$262Loan loss allowance
$0Trading account assets
$550Bank premises and fixed assets
$0Other real estate owned
$489Goodwill and other intangibles
$0Life insurance assets
$309All other assets
$38,658Total liabilities and capital
$35,492Total liabilities
$35,235Total deposits
$26,733Interest-bearing deposits
$35,235Deposits held in domestic offices
95.88%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$257All other liabilities
$3,166Total equity capital
$3,166Total bank equity capital
$3,166Perpetual preferred stock
$0Common stock
$35Surplus
$3,365Undivided profits
Memoranda
$-234Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$154Earning assets
$0Long-term assets (5+ years)
$224Average Assets, year-to-date
$36,769Average Assets, quarterly
$4,894Volatile liabilities
$38,631Insider loans
$38,942FHLB advances
$1,784Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$262Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$1,824Total interest income
$270Total interest expense
$1,554Net interest income
$336Provision for loan and lease losses
$146Total noninterest income
$0Fiduciary activities
$105Service charges on deposit accounts
$0Trading account gains & fees
$41Additional noninterest income
$1,008Total noninterest expense
$724Salaries and employee benefits
$109Premises and equipment expense
$175Additional noninterest expense
$356Pre-tax net operating income
$163Securities gains (losses)
$205Applicable income taxes
$314Income before extraordinary items
$0Extraordinary gains - net
$314Net income attributable to bank
$0Net charge-offs
$314Cash dividends
$23Sale, conversion, retirement of capital stock, net
$5,530Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
0.72%Cost of funding earning assets
4.17%Net interest margin
0.39%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
0.54%Net operating income to assets
0.81%Return on assets (ROA)
1.34%Pretax return on assets
4.72%Return on equity (ROE)
-78.47%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
1460.87%Credit loss provision to net charge-offs
30.09%Efficiency ratio
59,294Assets per employee
4.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
1761.15%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
170.13%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.72%Net loans and leases to deposits
59.97%Net loans and leases to core deposits
63.17%Equity capital to assets
8.19%Core capital (leverage) ratio
6.99%Tier 1 risk-based capital ratio
10.82%Total risk-based capital ratio
Memoranda
$12Average assets
$38,631Average earning assets
$6,647Average equity
$37,280Average loans
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