UMB-First Bank & Trust, National Association in Concordia, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1994

UMB-First Bank & Trust, National Association in Concordia, Kansas (KS)
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UMB-First Bank & Trust, National Association - Overview

General
FDIC Certificate #: 4674
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: UMB National Bank of America (#4768)
Federal Reserve ID: 666255
Date Established: April 01, 1890
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
FDIC's unique #: 3106
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
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: 130 East Seventh Street, Concordia, KS 66901
County: Cloud
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hays
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $69.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$34Total assets
$72,201Cash and due from depository institutions
$1,591Interest-bearing balances
$0Securities
$52,017Federal funds sold & reverse repurchase agreements
$360Net loans & leases
$12,784Loan loss allowance
$880Trading account assets
$0Bank premises and fixed assets
$1,002Other real estate owned
$35Goodwill and other intangibles
$1,294Life insurance assets
$3,118All other assets
$0Total liabilities and capital
$72,201Total liabilities
$63,193Total deposits
$60,612Interest-bearing deposits
$56,041Deposits held in domestic offices
60612.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$2,050Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$531Total equity capital
$531Total bank equity capital
$9,008Perpetual preferred stock
$0Common stock
$1,056Surplus
$7,851Undivided profits
Memoranda
$101Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$388Income earned, not collected on loans
$240Earning assets
$65,161Long-term assets (5+ years)
$7,029Average Assets, year-to-date
$73,218Average Assets, quarterly
$72,003Volatile liabilities
$3,163Insider loans
$101FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,582Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,860Total risk weighted assets
$18,987Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,010Total interest expense
$1,163Net interest income
$847Provision for loan and lease losses
-$70Total noninterest income
$308Fiduciary activities
$0Service charges on deposit accounts
$211Trading account gains & fees
$0Additional noninterest income
$97Total noninterest expense
$1,164Salaries and employee benefits
$536Premises and equipment expense
$126Additional noninterest expense
$502Pre-tax net operating income
$61Securities gains (losses)
$112Applicable income taxes
$102Income before extraordinary items
$71Extraordinary gains - net
$0Net income attributable to bank
$71Net charge-offs
-$69Cash 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
3.00%Cost of funding earning assets
1.73%Net interest margin
1.26%Noninterest income to earning assets
0.46%Noninterest expense to earning assets
1.74%Net operating income to assets
-0.00%Return on assets (ROA)
0.10%Pretax return on assets
0.24%Return on equity (ROE)
0.96%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
-0.42%Credit loss provision to net charge-offs
101.45%Efficiency ratio
85,714Assets per employee
2.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.44%Loss allowance to noncurrent loans
226.80%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
2.84%Net loans and leases to deposits
21.09%Net loans and leases to core deposits
21.49%Equity capital to assets
12.48%Core capital (leverage) ratio
8.41%Tier 1 risk-based capital ratio
30.86%Total risk-based capital ratio
Memoranda
$32Average assets
$73,218Average earning assets
$7,418Average equity
$67,086Average loans

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