First National Bank & Trust Company in Larned in Larned, Kansas (KS)



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First National Bank & Trust Company in Larned
GeneralFDIC Certificate #: 4709
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Farmers Bank & Trust, National Association (#17614)
Federal Reserve ID: 10157
Date Established: May 01, 1889
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
OTS Docket #: 13751
FDIC's unique #: 3131
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: September 10, 2010
Last Structure Change Process Date: September 27, 2010
Last Data Update: September 27, 2010
Data Source Date: April 05, 2012
LocationAddress: 102 West 6th Street, Larned, KS 67550
County: Pawnee
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
Financial SummaryTotal assets: $33.8 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, 2009)
(Dollar figures in thousands)
Total employees (full-time equivalent)12
Total assets$34,416
Cash and due from depository institutions$1,609
Interest-bearing balances$36
Securities$9,855
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$20,295
Loan loss allowance $1,907
Trading account assets$0
Bank premises and fixed assets$205
Other real estate owned$600
Goodwill and other intangibles$0
All other assets$1,852
Life insurance assets$0
Total liabilities and capital$34,416
Total liabilities$30,800
Total deposits$30,187
Interest-bearing deposits$22,830
Deposits held in domestic offices$30,187
% insured (estimated)90.26%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $450
Subordinated debt $0
All other liabilities $163
Total equity capital$3,616
Total bank equity capital$3,616
Perpetual preferred stock$3,616
Common stock$0
Surplus$250
Undivided profits $2,560
Memoranda
Noncurrent loans and leases $806
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,904
Income earned, not collected on loans $0
Earning assets $4,775
Long-term assets (5+ years) $214
Average Assets, year-to-date $309
Average Assets, quarterly $30,186
Volatile liabilities $10,743
Insider loans $46,662
FHLB advances $35,596
Loans and leases held for sale $2,080
Unused loan commitments $257
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $3,904
Restructured Loans and leases $0
Derivatives$296
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Income and Expense (December 31, 2009)
(Dollar figures in thousands)
Total interest income $1,951
Total interest expense $435
Net interest income $1,516
Provision for loan and lease losses $2,892
Total noninterest income $681
Fiduciary activities $0
Service charges on deposit accounts $185
Trading account gains & fees $0
Additional noninterest income $496
Total noninterest expense $2,030
Salaries and employee benefits $817
Premises and equipment expense $282
Additional noninterest expense $931
Pre-tax net operating income -$2,725
Securities gains (losses) $161
Applicable income taxes -$992
Income before extraordinary items -$1,572
Extraordinary gains - net $0
Net income attributable to bank -$1,572
Net charge-offs $0
Cash dividends -$1,572
Sale, conversion, retirement of capital stock, net $1,909
Net operating income $0
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Performance and Condition Ratios (December 31, 2009)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 1.02%
Net interest margin 3.54%
Noninterest income to earning assets 1.59%
Noninterest expense to earning assets 4.74%
Net operating income to assets -3.59%
Return on assets (ROA) -3.37%
Pretax return on assets -5.49%
Return on equity (ROE) -41.87%
Retained earnings to average equity (YTD only) -41.87%
Net charge-offs to loans 7.43%
Credit loss provision to net charge-offs 151.49%
Efficiency ratio0.09%
Assets per employee$91,807
Cash dividends to net income (YTD only)2.87%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 8.59%
Noncurrent assets plus other real estate owned to assets 39.94%
Noncurrent loans to loans 15.62%
Net loans and leases to deposits21.51%
Net loans and leases to core deposits 67.23%
Equity capital to assets 72.21%
Core capital (leverage) ratio 10.51%
Tier 1 risk-based capital ratio 7.36%
Total risk-based capital ratio 11.20%
Memoranda
Average assets$13
Average earning assets$46,662
Average equity $3,755
Average loans $42,786
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Total Fiduciary and Related Assets (December 31, 2004)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$15,479
Number of Accounts1
Personal trust and agency accounts$15,318
Employee benefit-defined contribution accounts$9,841
Employee benefit-defined benefit accounts$1,164
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$4,313
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts44
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$161
Corporate trust and agency accounts$161
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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