First National Bank, Independence, Kansas in city_name, state_name

First National Bank, Independence, Kansas in Independence, Kansas (KS), CO
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First National Bank, Independence, Kansas routing number info

First National Bank, Independence, Kansas - Overview

General
FDIC Certificate #: 4660
Status: Active
Federal Reserve ID: 916857
Date Established: January 01, 1881
WWW: http://www.fnbindy.com
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: 4 (Domestic: 4, Interstate: Yes)
OTS Docket #: 11567
FDIC's unique #: 3096
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: June 23, 2006
Last Structure Change Process Date: August 09, 2006
Last Data Update: August 09, 2006
Data Source Date: April 05, 2012
Location
Address: 113 North Penn Avenue, Independence, KS 67301
County: Montgomery
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): Coffeyville, KS (#17700)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in Absorption/Consolidation/Merger
Corrections
Office Sold
Financial Summary
Total assets: $83.0 mil
Equity capital: $8.7 mil
Deposits held in domestic offices: $65.9 mil
Return on assets (ROA): 1.02% ($0.8 mil)
Quarterly return on assets: 0.54% ($0.4 mil)
Return on Equity (ROE): 9.86% ($0.9 mil)
Quarterly return on equity: 5.22% ($0.5 mil)
Net income: $0.8 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.02% ($847.1 mil)
Quarterly Pretax return on assets: 0.55% ($456.8 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
28Total employees (full-time equivalent)
$83,046Total assets
$2,833Cash and due from depository institutions
$2,230Interest-bearing balances
$4,027Securities
$7,009Federal funds sold & reverse repurchase agreements
$62,451Net loans & leases
$971Loan loss allowance
$0Trading account assets
$2,681Bank premises and fixed assets
$274Other real estate owned
$475Goodwill and other intangibles
$83,046Life insurance assets
$3,296All other assets
$74,302Total liabilities and capital
$65,860Total liabilities
$51,687Total deposits
$65,860Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,000Trading liabilities
$0Other borrowed funds
$442Subordinated debt
$8,744All other liabilities
$8,744Total equity capital
$8,744Total bank equity capital
$0Perpetual preferred stock
$411Common stock
$3,534Surplus
$4,799Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$948Income earned, not collected on loans
$0Earning assets
$411Long-term assets (5+ years)
$75,717Average Assets, year-to-date
$26,309Average Assets, quarterly
$82,105Volatile liabilities
$83,118Insider loans
$70,510FHLB advances
$83,658Loans and leases held for sale
$1,308Unused loan commitments
$1,308Tier 1 (core) risk-based capital
$8,182Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,513Restructured Loans and leases
$343Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,554Total interest income
$653Total interest expense
$3,901Net interest income
$162Provision for loan and lease losses
$368Total noninterest income
$0Fiduciary activities
$350Service charges on deposit accounts
$0Trading account gains & fees
$18Additional noninterest income
$3,313Total noninterest expense
$1,712Salaries and employee benefits
$525Premises and equipment expense
$1,076Additional noninterest expense
$794Pre-tax net operating income
$42Securities gains (losses)
-$5Applicable income taxes
$841Income before extraordinary items
$0Extraordinary gains - net
$841Net income attributable to bank
$0Net charge-offs
$841Cash dividends
$211Sale, conversion, retirement of capital stock, net
$633Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.17%Yield on earning assets
0.88%Cost of funding earning assets
5.28%Net interest margin
0.50%Noninterest income to earning assets
4.49%Noninterest expense to earning assets
0.97%Net operating income to assets
1.02%Return on assets (ROA)
1.02%Pretax return on assets
9.86%Return on equity (ROE)
2.44%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
76.78%Credit loss provision to net charge-offs
4.53%Efficiency ratio
77,606Assets per employee
2.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.27%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
102.43%Noncurrent assets plus other real estate owned to assets
1.47%Noncurrent loans to loans
1.49%Net loans and leases to deposits
94.82%Net loans and leases to core deposits
103.17%Equity capital to assets
10.53%Core capital (leverage) ratio
9.78%Tier 1 risk-based capital ratio
11.60%Total risk-based capital ratio
Memoranda
$13Average assets
$82,105Average earning assets
$8,526Average equity
$73,858Average loans

List of branches

1 Colorado Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
4	453411	First National Bank Of Pueblo Branch	1419 Highway 50 West, Pueblo, CO 81008	June 23, 2006	Full Service Retail

3 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3096	First National Bank, Independence, Kansas	113 North Penn Avenue, Independence, KS 67301	January 01, 1881	Full Service Brick and Mortar
1	203955	Elk City Branch	108 East Hickory, Elk City, KS 67344	April 17, 1989	Limited Service Facility
2	203956	Drive-In Facility	1801 West Main, Independence, KS 67301	May 24, 1993	Limited Service Facility

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

First National Bank, Independence, Kansas - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank, Independence, Kansas in Independence, Kansas (KS), COOverview, Financial Summary, Detailed Financial Reports, Branches

First National Bank, Independence, Kansas - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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