First National Bank in Goodland, Kansas (KS), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

  • General
  • FDIC Certificate #: 14420
    Status: Active
    Federal Reserve ID: 805250
    Bank Holding Company (Regulatory Top Holder): First National Bancshares, Inc., Esop And 401 (K) Trusts (RSSDID: 2267731, Location: Goodland, KS)
    Date Established: January 01, 1886
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: Yes)
    OTS Docket #: 10819
    FDIC's unique #: 9011
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 24, 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: 202 East Eleventh Street, Goodland, KS 67735
    County: Sherman
    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: $257.3 mil
    Equity capital: $17.6 mil
    Deposits held in domestic offices: $228.3 mil
    Return on assets (ROA): 0.26% ($0.7 mil)
    Quarterly return on assets: 1.07% ($2.7 mil)
    Return on Equity (ROE): 3.86% ($0.7 mil)
    Quarterly return on equity: 15.18% ($2.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.25% ($643.1 mil)
    Quarterly Pretax return on assets: 1.13% ($2,907.0 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
  • 77Total employees (full-time equivalent)
  • $257,256Total assets
  • $29,709Cash and due from depository institutions
  • $20,939Interest-bearing balances
  • $91,927Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $127,953Net loans & leases
  • $4,537Loan loss allowance
  • $0Trading account assets
  • $1,965Bank premises and fixed assets
  • $433Other real estate owned
  • $465Goodwill and other intangibles
  • $257,256Life insurance assets
  • $4,804All other assets
  • $239,671Total liabilities and capital
  • $228,290Total liabilities
  • $169,955Total deposits
  • $228,290Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $1,000Other borrowed funds
  • $381Subordinated debt
  • $17,585All other liabilities
  • $17,585Total equity capital
  • $17,585Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $9,226Surplus
  • $6,359Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $257Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,109Income earned, not collected on loans
  • $336Earning assets
  • $2,111Long-term assets (5+ years)
  • $240,819Average Assets, year-to-date
  • $50,074Average Assets, quarterly
  • $246,367Volatile liabilities
  • $247,982Insider loans
  • $153,262FHLB advances
  • $238,984Loans and leases held for sale
  • $140Unused loan commitments
  • $140Tier 1 (core) risk-based capital
  • $15,334Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,208Restructured Loans and leases
  • $5,367Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,531Total interest income
  • $1,361Total interest expense
  • $8,170Net interest income
  • $0Provision for loan and lease losses
  • $1,982Total noninterest income
  • $193Fiduciary activities
  • $813Service charges on deposit accounts
  • $0Trading account gains & fees
  • $976Additional noninterest income
  • $9,528Total noninterest expense
  • $4,194Salaries and employee benefits
  • $1,226Premises and equipment expense
  • $4,108Additional noninterest expense
  • $624Pre-tax net operating income
  • $0Securities gains (losses)
  • -$11Applicable income taxes
  • $635Income before extraordinary items
  • $0Extraordinary gains - net
  • $635Net income attributable to bank
  • $0Net charge-offs
  • $635Cash dividends
  • $2,349Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.11%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 4.11%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 3.86%Return on equity (ROE)
  • 3.86%Retained earnings to average equity (YTD only)
  • 1.78%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.27%Efficiency ratio
  • 93,036Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.42%Loss allowance to noncurrent loans
  • 55.95%Noncurrent assets plus other real estate owned to assets
  • 3.32%Noncurrent loans to loans
  • 6.12%Net loans and leases to deposits
  • 56.05%Net loans and leases to core deposits
  • 56.91%Equity capital to assets
  • 6.84%Core capital (leverage) ratio
  • 6.42%Tier 1 risk-based capital ratio
  • 10.01%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $246,367Average earning assets
  • $16,467Average equity
  • $231,922Average 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
  • $36,330Managed Assets
  • 1Number of Accounts
  • $25,504Personal trust and agency accounts
  • $19,512Employee benefit-defined contribution accounts
  • $2,434Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $40Investment management agency accounts
  • $0Other fiduciary accounts
  • $3,518Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 114Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,826Other retirement accounts
  • $0Corporate trust and agency accounts
  • $936Other fiduciary accounts
  • $9,890Fiduciary accounts held in foreign offices

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    55902Kirk Branch2988 County Road M, Kirk, CO 80824January 09, 1917Full Service Brick and Mortar
    9440391Bennett Branch1190 South First Street, Bennett, CO 80102April 01, 2005Full Service Brick and Mortar
  • 6 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09011First National Bank202 East Eleventh Street, Goodland, KS 67735January 01, 1886Full Service Brick and Mortar
    29235St. Francis Branch201 West Washington, St. Francis, KS 67756August 15, 1906Full Service Brick and Mortar
    3231437Colby Branch1195 South Range Avenue, Colby, KS 67701May 30, 1995Full Service Brick and Mortar
    43176Quinter Branch400 Main Street, Quinter, KS 67752January 01, 1917Full Service Brick and Mortar
    741242Oberlin Branch101 North Penn Avenue, Oberlin, KS 67749January 01, 1922Full Service Brick and Mortar
    86175Bird City Branch210 Bird Avenue, Bird City, KS 67731November 01, 1929Full Service Brick and Mortar

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