Community First National Bank in Manhattan, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community First National Bank - Overview

  • General
  • FDIC Certificate #: 35585
    Status: Active
    Federal Reserve ID: 2907019
    Bank Holding Company (Regulatory Top Holder): Ttac Corp. (RSSDID: 2948517, Location: Manhattan, KS)
    Date Established: Febuary 01, 2001
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 82014
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 01, 2001
    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: 215 South Seth Child Road, 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)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.2 mil
    Equity capital: $13.6 mil
    Deposits held in domestic offices: $138.1 mil
    Return on assets (ROA): 1.15% ($1.7 mil)
    Quarterly return on assets: 1.03% ($1.6 mil)
    Return on Equity (ROE): 13.05% ($1.8 mil)
    Quarterly return on equity: 11.53% ($1.6 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.77% ($2,693.2 mil)
    Quarterly Pretax return on assets: 1.57% ($2,388.9 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
  • 42Total employees (full-time equivalent)
  • $152,158Total assets
  • $9,938Cash and due from depository institutions
  • $8,403Interest-bearing balances
  • $1,514Securities
  • $201Federal funds sold & reverse repurchase agreements
  • $132,957Net loans & leases
  • $1,800Loan loss allowance
  • $0Trading account assets
  • $5,159Bank premises and fixed assets
  • $200Other real estate owned
  • $0Goodwill and other intangibles
  • $152,158Life insurance assets
  • $2,189All other assets
  • $138,581Total liabilities and capital
  • $138,094Total liabilities
  • $116,593Total deposits
  • $138,094Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $487Subordinated debt
  • $13,577All other liabilities
  • $13,577Total equity capital
  • $13,577Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $5,545Surplus
  • $6,532Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,236Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,615Income earned, not collected on loans
  • $0Earning assets
  • $779Long-term assets (5+ years)
  • $143,075Average Assets, year-to-date
  • $58,258Average Assets, quarterly
  • $144,543Volatile liabilities
  • $150,411Insider loans
  • $118,514FHLB advances
  • $151,086Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,577Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,335Restructured Loans and leases
  • $2,042Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,384Total interest income
  • $1,564Total interest expense
  • $5,820Net interest income
  • $529Provision for loan and lease losses
  • $1,445Total noninterest income
  • $0Fiduciary activities
  • $359Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,086Additional noninterest income
  • $4,178Total noninterest expense
  • $2,652Salaries and employee benefits
  • $268Premises and equipment expense
  • $1,258Additional noninterest expense
  • $2,558Pre-tax net operating income
  • $0Securities gains (losses)
  • $897Applicable income taxes
  • $1,661Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,661Net income attributable to bank
  • $0Net charge-offs
  • $1,661Cash dividends
  • $329Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 4.29%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 13.05%Return on equity (ROE)
  • 13.05%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 160.79%Credit loss provision to net charge-offs
  • 9.38%Efficiency ratio
  • 57,509Assets per employee
  • 3.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 111.46%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 96.28%Net loans and leases to core deposits
  • 109.20%Equity capital to assets
  • 8.92%Core capital (leverage) ratio
  • 8.99%Tier 1 risk-based capital ratio
  • 11.46%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $144,543Average earning assets
  • $12,731Average equity
  • $135,530Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    082014Community First National Bank215 South Seth Child Road, Manhattan, KS 66502Febuary 01, 2001Full Service Brick and Mortar
    1433234Tuttle Creek Branch210 Tuttle Creek Boulevard, Manhattan, KS 66502August 25, 2003Full Service Brick and Mortar

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