United Bank in Inman, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1997

United Bank in Inman, Kansas (KS)
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United Bank - Overview

General
FDIC Certificate #: 17606
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Farmers National Bank of Stafford (#4775)
Federal Reserve ID: 690559
Date Established: October 14, 1893
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11577
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: May 24, 1956
Last Structure Change Effective Date: October 01, 1997
Last Structure Change Process Date: October 20, 1997
Last Data Update: October 20, 1997
Data Source Date: April 05, 2012
Location
Address: 107 South Main Street, Inman, KS 67546
County: Mcpherson
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): McPherson, KS (#32700)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $23.5 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$13Total assets
$22,777Cash and due from depository institutions
$781Interest-bearing balances
$0Securities
$10,178Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$11,345Loan loss allowance
$200Trading account assets
$0Bank premises and fixed assets
$87Other real estate owned
$0Goodwill and other intangibles
$386Life insurance assets
$0All other assets
$0Total liabilities and capital
$22,777Total liabilities
$20,381Total deposits
$19,759Interest-bearing deposits
$16,664Deposits held in domestic offices
19759.00%% insured (estimated)
$87Federal funds purchased & repurchase agreements
$320Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$302Total equity capital
$302Total bank equity capital
$2,396Perpetual preferred stock
$0Common stock
$100Surplus
$1,200Undivided profits
Memoranda
$1,096Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$30Income earned, not collected on loans
$178Earning assets
$21,523Long-term assets (5+ years)
$1,480Average Assets, year-to-date
$21,500Average Assets, quarterly
$22,290Volatile liabilities
$1,730Insider loans
$232FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,742Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,384Total risk weighted assets
$13,062Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$1,532Total interest expense
$577Net interest income
$955Provision for loan and lease losses
$100Total noninterest income
$115Fiduciary activities
$0Service charges on deposit accounts
$78Trading account gains & fees
$0Additional noninterest income
$37Total noninterest expense
$646Salaries and employee benefits
$389Premises and equipment expense
$63Additional noninterest expense
$194Pre-tax net operating income
$324Securities gains (losses)
-$2Applicable income taxes
$79Income before extraordinary items
$243Extraordinary gains - net
$0Net income attributable to bank
$243Net charge-offs
$147Cash dividends
$95Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.60%Cost of funding earning assets
2.86%Net interest margin
4.74%Noninterest income to earning assets
0.57%Noninterest expense to earning assets
3.21%Net operating income to assets
1.14%Return on assets (ROA)
1.13%Pretax return on assets
1.50%Return on equity (ROE)
10.55%Retained earnings to average equity (YTD only)
6.43%Net charge-offs to loans
1.27%Credit loss provision to net charge-offs
68.03%Efficiency ratio
60,374Assets per employee
1.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.09%Loss allowance to loans
1.73%Loss allowance to noncurrent loans
666.67%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.26%Net loans and leases to deposits
57.42%Net loans and leases to core deposits
61.83%Equity capital to assets
10.52%Core capital (leverage) ratio
10.64%Tier 1 risk-based capital ratio
18.25%Total risk-based capital ratio
Memoranda
$20Average assets
$21,500Average earning assets
$2,303Average equity
$20,154Average loans

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