Farmers Bank & Trust in Atwood, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Farmers Bank & Trust in Atwood, Kansas (KS)
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Farmers Bank & Trust - Overview

  • General
  • FDIC Certificate #: 4621
    Status: Active
    Federal Reserve ID: 984351
    Bank Holding Company (Regulatory Top Holder): Rawlins Bancshares, Inc. (RSSDID: 1062854, Location: Atwood, KS)
    Date Established: January 01, 1914
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 3064
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    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: 101 South 4th Street, Atwood, KS 67730
    County: Rawlins
    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
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $87.1 mil
    Equity capital: $7.6 mil
    Deposits held in domestic offices: $79.4 mil
    Return on assets (ROA): 1.20% ($1.0 mil)
    Quarterly return on assets: 1.22% ($1.1 mil)
    Return on Equity (ROE): 14.22% ($1.1 mil)
    Quarterly return on equity: 13.43% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.25% ($1,089.1 mil)
    Quarterly Pretax return on assets: 1.28% ($1,115.2 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
  • 17Total employees (full-time equivalent)
  • $87,126Total assets
  • $15,811Cash and due from depository institutions
  • $990Interest-bearing balances
  • $45,136Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $23,899Net loans & leases
  • $311Loan loss allowance
  • $0Trading account assets
  • $829Bank premises and fixed assets
  • $0Other real estate owned
  • $69Goodwill and other intangibles
  • $87,126Life insurance assets
  • $1,382All other assets
  • $79,561Total liabilities and capital
  • $79,409Total liabilities
  • $59,160Total deposits
  • $79,409Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $152Subordinated debt
  • $7,565All other liabilities
  • $7,565Total equity capital
  • $7,565Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $6,565Undivided 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
  • $701Long-term assets (5+ years)
  • $70,025Average Assets, year-to-date
  • $37,151Average Assets, quarterly
  • $78,141Volatile liabilities
  • $81,798Insider loans
  • $36,800FHLB advances
  • $80,516Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,971Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,023Restructured Loans and leases
  • $80Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,657Total interest income
  • $238Total interest expense
  • $2,419Net interest income
  • $0Provision for loan and lease losses
  • $190Total noninterest income
  • $10Fiduciary activities
  • $120Service charges on deposit accounts
  • $0Trading account gains & fees
  • $60Additional noninterest income
  • $1,677Total noninterest expense
  • $1,022Salaries and employee benefits
  • $155Premises and equipment expense
  • $500Additional noninterest expense
  • $932Pre-tax net operating income
  • $46Securities gains (losses)
  • $43Applicable income taxes
  • $935Income before extraordinary items
  • $0Extraordinary gains - net
  • $935Net income attributable to bank
  • $0Net charge-offs
  • $935Cash dividends
  • -$13Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.82%Yield on earning assets
  • 0.34%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 14.22%Return on equity (ROE)
  • 9.66%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,278Assets per employee
  • 5.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.09%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 30.10%Net loans and leases to core deposits
  • 30.29%Equity capital to assets
  • 8.68%Core capital (leverage) ratio
  • 7.42%Tier 1 risk-based capital ratio
  • 16.23%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $78,141Average earning assets
  • $6,574Average equity
  • $69,504Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,513Managed Assets
  • 1Number of Accounts
  • $1,351Personal trust and agency accounts
  • $1,351Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 10Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $162Other retirement accounts
  • $162Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03064Farmers Bank & Trust101 South 4th Street, Atwood, KS 67730January 01, 1914Full Service Brick and Mortar
    116628Brewster Branch326 Kansas Avenue, Brewster, KS 67732Febuary 01, 1982Full Service Brick and Mortar
    2203937Oberlin Branch202 South Penn, Oberlin, KS 67749December 21, 1998Full Service Brick and Mortar

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