The Exchange National Bank of Cottonwood Falls - Overview
General
FDIC Certificate #: 4650 Status: Active Federal Reserve ID: 821456 Date Established: January 01, 1903 WWW:http://www.enbkansas.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3088 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 235 Broadway, Cottonwood Falls, KS 66845 County: Chase Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Emporia, KS (#21380) CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $31.8 mil Equity capital: $3.5 mil Deposits held in domestic offices: $28.1 mil Return on assets (ROA): -0.16% (-$0.1 mil) Quarterly return on assets: -0.76% (-$0.2 mil) Return on Equity (ROE): -1.59% (-$0.0 mil) Quarterly return on equity: -7.16% (-$0.2 mil) Net income: -$0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.17% (-$54.0 mil) Quarterly Pretax return on assets: -0.83% (-$263.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
9Total employees (full-time equivalent)
$31,794Total assets
$2,923Cash and due from depository institutions
$1,932Interest-bearing balances
$8,666Securities
$15Federal funds sold & reverse repurchase agreements
$19,482Net loans & leases
$355Loan loss allowance
$0Trading account assets
$127Bank premises and fixed assets
$12Other real estate owned
$0Goodwill and other intangibles
$31,793Life insurance assets
$569All other assets
$28,331Total liabilities and capital
$28,102Total liabilities
$22,209Total deposits
$28,102Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$20Trading liabilities
$0Other borrowed funds
$209Subordinated debt
$3,462All other liabilities
$3,462Total equity capital
$3,462Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$325Surplus
$3,062Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$214Long-term assets (5+ years)
$30,095Average Assets, year-to-date
$6,679Average Assets, quarterly
$33,443Volatile liabilities
$32,300Insider loans
$20,500FHLB advances
$33,018Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,168Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,493Restructured Loans and leases
$2,258Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,291Total interest income
$178Total interest expense
$1,113Net interest income
$14Provision for loan and lease losses
$121Total noninterest income
$0Fiduciary activities
$56Service charges on deposit accounts
$0Trading account gains & fees
$65Additional noninterest income
$1,345Total noninterest expense
$764Salaries and employee benefits
$102Premises and equipment expense
$479Additional noninterest expense
-$125Pre-tax net operating income
$67Securities gains (losses)
-$5Applicable income taxes
-$53Income before extraordinary items
$0Extraordinary gains - net
-$53Net income attributable to bank
$0Net charge-offs
-$53Cash dividends
$33Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.05%Yield on earning assets
0.56%Cost of funding earning assets
3.49%Net interest margin
0.38%Noninterest income to earning assets
4.21%Noninterest expense to earning assets
-0.34%Net operating income to assets
-0.16%Return on assets (ROA)
-0.17%Pretax return on assets
-1.59%Return on equity (ROE)
-1.59%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
42.42%Credit loss provision to net charge-offs
-3.36%Efficiency ratio
108,995Assets per employee
3.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.00%Net loans and leases to deposits
69.33%Net loans and leases to core deposits
72.14%Equity capital to assets
10.89%Core capital (leverage) ratio
9.59%Tier 1 risk-based capital ratio
15.45%Total risk-based capital ratio
Memoranda
$17Average assets
$33,443Average earning assets
$3,342Average equity
$31,910Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3088
The Exchange National Bank Of Cotton
235 Broadway, Cottonwood Falls, KS 66845
January 01, 1903
Full Service Brick and Mortar
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