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

First National Bank in Frankfort - Overview

  • General
  • FDIC Certificate #: 4668
    Status: Active
    Federal Reserve ID: 923350
    Bank Holding Company (Regulatory Top Holder): First Frankfort Bancshares, Inc. (RSSDID: 1064595, Location: Frankfort, KS)
    Date Established: March 02, 1921
    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: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14465
    FDIC's unique #: 3102
    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: 124 North Kansas Avenue, Frankfort, KS 66427
    County: Marshall
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    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: $34.2 mil
    Equity capital: $3.9 mil
    Deposits held in domestic offices: $28.8 mil
    Return on assets (ROA): 1.80% ($0.6 mil)
    Quarterly return on assets: 2.67% ($0.9 mil)
    Return on Equity (ROE): 16.88% ($0.7 mil)
    Quarterly return on equity: 22.68% ($0.9 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.84% ($629.3 mil)
    Quarterly Pretax return on assets: 2.77% ($947.4 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
  • 7Total employees (full-time equivalent)
  • $34,201Total assets
  • $2,163Cash and due from depository institutions
  • $818Interest-bearing balances
  • $16,114Securities
  • $5Federal funds sold & reverse repurchase agreements
  • $14,273Net loans & leases
  • $223Loan loss allowance
  • $0Trading account assets
  • $101Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $34,201Life insurance assets
  • $1,545All other assets
  • $30,331Total liabilities and capital
  • $28,772Total liabilities
  • $21,223Total deposits
  • $28,772Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,254Trading liabilities
  • $0Other borrowed funds
  • $305Subordinated debt
  • $3,870All other liabilities
  • $3,870Total equity capital
  • $3,870Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $1,264Surplus
  • $2,556Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $244Long-term assets (5+ years)
  • $31,210Average Assets, year-to-date
  • $15,583Average Assets, quarterly
  • $33,354Volatile liabilities
  • $33,744Insider loans
  • $17,202FHLB advances
  • $34,366Loans and leases held for sale
  • $856Unused loan commitments
  • $856Tier 1 (core) risk-based capital
  • $3,335Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,001Restructured Loans and leases
  • $660Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,431Total interest income
  • $286Total interest expense
  • $1,145Net interest income
  • $0Provision for loan and lease losses
  • $144Total noninterest income
  • $0Fiduciary activities
  • $65Service charges on deposit accounts
  • $0Trading account gains & fees
  • $79Additional noninterest income
  • $885Total noninterest expense
  • $456Salaries and employee benefits
  • $130Premises and equipment expense
  • $299Additional noninterest expense
  • $404Pre-tax net operating income
  • $211Securities gains (losses)
  • $14Applicable income taxes
  • $601Income before extraordinary items
  • $0Extraordinary gains - net
  • $601Net income attributable to bank
  • $0Net charge-offs
  • $601Cash dividends
  • -$24Sale, conversion, retirement of capital stock, net
  • $375Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.80%Return on assets (ROA)
  • 1.84%Pretax return on assets
  • 16.88%Return on equity (ROE)
  • 6.35%Retained earnings to average equity (YTD only)
  • -0.18%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,658Assets per employee
  • 4.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.40%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 49.61%Net loans and leases to core deposits
  • 51.34%Equity capital to assets
  • 11.32%Core capital (leverage) ratio
  • 9.70%Tier 1 risk-based capital ratio
  • 19.39%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $33,354Average earning assets
  • $3,560Average equity
  • $30,288Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03102First National Bank In Frankfort124 North Kansas Avenue, Frankfort, KS 66427March 02, 1921Full Service Brick and Mortar

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