First National Bank and Trust in Phillipsburg, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust - Overview

  • General
  • FDIC Certificate #: 4756
    Status: Active
    Federal Reserve ID: 183958
    Bank Holding Company (Regulatory Top Holder): Golden Plains Bankshares, Inc. (RSSDID: 1066432, Location: Phillipsburg, KS)
    Date Established: January 01, 1884
    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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 3172
    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: 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: 225 State Street, Phillipsburg, KS 67661
    County: Phillips
    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: $176.8 mil
    Equity capital: $26.7 mil
    Deposits held in domestic offices: $148.3 mil
    Return on assets (ROA): 1.32% ($2.3 mil)
    Quarterly return on assets: 0.50% ($0.9 mil)
    Return on Equity (ROE): 8.60% ($2.3 mil)
    Quarterly return on equity: 3.27% ($0.9 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.38% ($2,439.2 mil)
    Quarterly Pretax return on assets: 0.51% ($901.5 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
  • 51Total employees (full-time equivalent)
  • $176,755Total assets
  • $3,635Cash and due from depository institutions
  • $472Interest-bearing balances
  • $80,366Securities
  • $2,986Federal funds sold & reverse repurchase agreements
  • $80,370Net loans & leases
  • $1,762Loan loss allowance
  • $0Trading account assets
  • $1,845Bank premises and fixed assets
  • $594Other real estate owned
  • $0Goodwill and other intangibles
  • $176,755Life insurance assets
  • $6,959All other assets
  • $150,085Total liabilities and capital
  • $148,317Total liabilities
  • $120,655Total deposits
  • $148,317Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $838Trading liabilities
  • $0Other borrowed funds
  • $930Subordinated debt
  • $26,670All other liabilities
  • $26,670Total equity capital
  • $26,670Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,750Surplus
  • $24,620Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $94Income earned, not collected on loans
  • $0Earning assets
  • $1,511Long-term assets (5+ years)
  • $164,194Average Assets, year-to-date
  • $48,222Average Assets, quarterly
  • $166,543Volatile liabilities
  • $174,073Insider loans
  • $122,290FHLB advances
  • $171,381Loans and leases held for sale
  • $3,721Unused loan commitments
  • $3,721Tier 1 (core) risk-based capital
  • $24,115Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,285Restructured Loans and leases
  • $860Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,437Total interest income
  • $1,277Total interest expense
  • $6,160Net interest income
  • $0Provision for loan and lease losses
  • $1,168Total noninterest income
  • $395Fiduciary activities
  • $416Service charges on deposit accounts
  • $0Trading account gains & fees
  • $357Additional noninterest income
  • $5,035Total noninterest expense
  • $3,295Salaries and employee benefits
  • $400Premises and equipment expense
  • $1,340Additional noninterest expense
  • $2,293Pre-tax net operating income
  • -$3Securities gains (losses)
  • $93Applicable income taxes
  • $2,197Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,197Net income attributable to bank
  • $0Net charge-offs
  • $2,197Cash dividends
  • $62Sale, conversion, retirement of capital stock, net
  • $754Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.24%Noninterest expense to earning assets
  • 1.32%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 8.60%Return on equity (ROE)
  • 5.65%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 36.98%Efficiency ratio
  • 68,709Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.32%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 1874.47%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 54.19%Net loans and leases to core deposits
  • 56.43%Equity capital to assets
  • 15.09%Core capital (leverage) ratio
  • 14.07%Tier 1 risk-based capital ratio
  • 19.72%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $166,543Average earning assets
  • $25,538Average equity
  • $155,338Average 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
  • $76,052Managed Assets
  • 1Number of Accounts
  • $67,955Personal trust and agency accounts
  • $11,470Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $18,705Corporate trust and agency accounts
  • $216Investment management agency accounts
  • $32,679Other fiduciary accounts
  • $4,847Fiduciary accounts held in foreign offices
  • $38Non-managed Assets
  • 550Number of Accounts
  • $0Personal trust and agency accounts
  • $18,705Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,097Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $7,555Fiduciary accounts held in foreign offices

List of branches

  • 5 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03172First National Bank And Trust225 State Street, Phillipsburg, KS 67661January 01, 1884Full Service Brick and Mortar
    1204070Convenience Bank Branch607 Second Street, Phillipsburg, KS 67661September 15, 1983Limited Service Facility
    211405Long Island Branch300 Washington Avenue, Long Island, KS 67647April 22, 1887Full Service Brick and Mortar
    33141West Main Branch201 West Main, Logan, KS 67646January 01, 1880Full Service Brick and Mortar
    4510310Smith County Bank Branch206 West Hwy 36, Smith Center, KS 66967July 12, 2010Full Service Brick and Mortar

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