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

  • First National Bank in Hays, Kansas (KS)
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First National Bank - Overview

  • General
  • FDIC Certificate #: 4753
    Status: Active
    Federal Reserve ID: 586858
    Bank Holding Company (Regulatory Top Holder): Kansas Pacific Investments, Llc (RSSDID: 3570728, Location: Hays, KS)
    Date Established: January 01, 1903
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 17860
    FDIC's unique #: 3169
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending 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: 1100 Fort Street, Hays, KS 67601
    County: Ellis
    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
    Core Based Statistical Area (CBSA): Hays, KS (#25700)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $87.1 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $74.1 mil
    Return on assets (ROA): 0.09% ($0.1 mil)
    Quarterly return on assets: 0.45% ($0.4 mil)
    Return on Equity (ROE): 0.88% ($0.1 mil)
    Quarterly return on equity: 4.23% ($0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.09% ($78.4 mil)
    Quarterly Pretax return on assets: 0.45% ($392.0 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
  • 35Total employees (full-time equivalent)
  • $87,109Total assets
  • $26,691Cash and due from depository institutions
  • $24,786Interest-bearing balances
  • $11,927Securities
  • $2,979Federal funds sold & reverse repurchase agreements
  • $41,750Net loans & leases
  • $1,243Loan loss allowance
  • $0Trading account assets
  • $315Bank premises and fixed assets
  • $659Other real estate owned
  • $177Goodwill and other intangibles
  • $87,109Life insurance assets
  • $2,611All other assets
  • $78,001Total liabilities and capital
  • $74,073Total liabilities
  • $58,399Total deposits
  • $74,073Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1779.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,963Trading liabilities
  • $0Other borrowed funds
  • $186Subordinated debt
  • $9,108All other liabilities
  • $9,108Total equity capital
  • $9,108Total bank equity capital
  • $0Perpetual preferred stock
  • $410Common stock
  • $3,480Surplus
  • $5,218Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,409Income earned, not collected on loans
  • $0Earning assets
  • $412Long-term assets (5+ years)
  • $81,442Average Assets, year-to-date
  • $11,417Average Assets, quarterly
  • $85,483Volatile liabilities
  • $86,595Insider loans
  • $46,291FHLB advances
  • $84,859Loans and leases held for sale
  • $1,220Unused loan commitments
  • $1,220Tier 1 (core) risk-based capital
  • $8,853Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,956Restructured Loans and leases
  • $111Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,041Total interest income
  • $322Total interest expense
  • $2,719Net interest income
  • $361Provision for loan and lease losses
  • $1,799Total noninterest income
  • $0Fiduciary activities
  • $291Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,508Additional noninterest income
  • $4,512Total noninterest expense
  • $2,054Salaries and employee benefits
  • $443Premises and equipment expense
  • $2,015Additional noninterest expense
  • -$355Pre-tax net operating income
  • $435Securities gains (losses)
  • $0Applicable income taxes
  • $80Income before extraordinary items
  • $0Extraordinary gains - net
  • $80Net income attributable to bank
  • $0Net charge-offs
  • $80Cash dividends
  • $484Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.82%Yield on earning assets
  • 0.40%Cost of funding earning assets
  • 3.41%Net interest margin
  • 2.26%Noninterest income to earning assets
  • 5.66%Noninterest expense to earning assets
  • -0.42%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.88%Return on equity (ROE)
  • 0.88%Retained earnings to average equity (YTD only)
  • 0.99%Net charge-offs to loans
  • 74.59%Credit loss provision to net charge-offs
  • 0.01%Efficiency ratio
  • 99,867Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.89%Loss allowance to noncurrent loans
  • 28.19%Noncurrent assets plus other real estate owned to assets
  • 5.88%Noncurrent loans to loans
  • 10.26%Net loans and leases to deposits
  • 56.36%Net loans and leases to core deposits
  • 61.99%Equity capital to assets
  • 10.46%Core capital (leverage) ratio
  • 10.43%Tier 1 risk-based capital ratio
  • 19.12%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $85,483Average earning assets
  • $9,132Average equity
  • $79,706Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03169First National Bank1100 Fort Street, Hays, KS 67601January 01, 1903Full Service Brick and Mortar
    3419119Plainville Branch113 West Mill Street, Plainville, KS 67663April 21, 2003Full Service Brick and Mortar

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