UMB Citizens Bank and Trust Company in Manhattan, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1994

UMB Citizens Bank and Trust Company in Manhattan, Kansas (KS)
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UMB Citizens Bank and Trust Company - Overview

General
FDIC Certificate #: 17712
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: UMB National Bank of America (#4768)
Federal Reserve ID: 158059
Date Established: January 01, 1905
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11671
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: January 17, 1957
Last Structure Change Effective Date: July 01, 1994
Last Structure Change Process Date: July 15, 1994
Last Data Update: July 15, 1994
Data Source Date: April 05, 2012
Location
Address: 6th And Humboldt Streets, Manhattan, KS 66502
County: Riley
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): Manhattan, KS (#31740)
CBSA Metro Statistical Area: Manhattan, KS (#31740)
Financial Summary
Total assets: $104.4 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)
$45Total assets
$106,938Cash and due from depository institutions
$4,469Interest-bearing balances
$79Securities
$44,142Federal funds sold & reverse repurchase agreements
$2,375Net loans & leases
$48,994Loan loss allowance
$1,155Trading account assets
$0Bank premises and fixed assets
$1,354Other real estate owned
$0Goodwill and other intangibles
$1,121Life insurance assets
$4,483All other assets
$0Total liabilities and capital
$106,938Total liabilities
$88,611Total deposits
$85,616Interest-bearing deposits
$69,496Deposits held in domestic offices
85616.00%% insured (estimated)
$85Federal funds purchased & repurchase agreements
$1,765Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,230Total equity capital
$1,230Total bank equity capital
$18,327Perpetual preferred stock
$0Common stock
$1,200Surplus
$16,399Undivided profits
Memoranda
$728Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$668Income earned, not collected on loans
$341Earning assets
$95,590Long-term assets (5+ years)
$4,735Average Assets, year-to-date
$108,971Average Assets, quarterly
$107,595Volatile liabilities
$6,974Insider loans
$2,026FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$13,706Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$13,844Total risk weighted assets
$54,550Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$3,975Total interest expense
$1,825Net interest income
$2,150Provision for loan and lease losses
$0Total noninterest income
$499Fiduciary activities
$52Service charges on deposit accounts
$400Trading account gains & fees
$0Additional noninterest income
$47Total noninterest expense
$1,765Salaries and employee benefits
$806Premises and equipment expense
$178Additional noninterest expense
$781Pre-tax net operating income
$884Securities gains (losses)
$1Applicable income taxes
$157Income before extraordinary items
$728Extraordinary gains - net
$0Net income attributable to bank
$728Net charge-offs
$51Cash dividends
$0Sale, 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
4.01%Cost of funding earning assets
1.84%Net interest margin
2.17%Noninterest income to earning assets
0.50%Noninterest expense to earning assets
1.78%Net operating income to assets
0.67%Return on assets (ROA)
0.67%Pretax return on assets
0.81%Return on equity (ROE)
4.62%Retained earnings to average equity (YTD only)
4.62%Net charge-offs to loans
0.10%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,249Assets per employee
2.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.30%Loss allowance to noncurrent loans
172.90%Noncurrent assets plus other real estate owned to assets
0.62%Noncurrent loans to loans
1.33%Net loans and leases to deposits
57.23%Net loans and leases to core deposits
60.93%Equity capital to assets
17.14%Core capital (leverage) ratio
13.56%Tier 1 risk-based capital ratio
25.38%Total risk-based capital ratio
Memoranda
$27Average assets
$108,971Average earning assets
$15,770Average equity
$99,155Average loans

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