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

First National Bank in Fredonia - Overview

  • General
  • FDIC Certificate #: 13798
    Status: Active
    Federal Reserve ID: 844455
    Bank Holding Company (Regulatory Top Holder): First National Bancshares Corporation Of Fredonia (RSSDID: 1064081, Location: Fredonia, KS)
    Date Established: September 16, 1871
    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)
    FDIC's unique #: 8627
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 31, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 28, 2010
    Last Data Update: September 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 730 Madison Street, Fredonia, KS 66736
    County: Wilson
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $102.0 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $87.1 mil
    Return on assets (ROA): 1.33% ($1.4 mil)
    Quarterly return on assets: 0.61% ($0.6 mil)
    Return on Equity (ROE): 9.11% ($1.4 mil)
    Quarterly return on equity: 4.13% ($0.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.39% ($1,418.1 mil)
    Quarterly Pretax return on assets: 0.69% ($703.9 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
  • 15Total employees (full-time equivalent)
  • $102,021Total assets
  • $2,188Cash and due from depository institutions
  • $1,463Interest-bearing balances
  • $63,092Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $31,910Net loans & leases
  • $558Loan loss allowance
  • $0Trading account assets
  • $247Bank premises and fixed assets
  • $245Other real estate owned
  • $0Goodwill and other intangibles
  • $102,021Life insurance assets
  • $1,339All other assets
  • $87,294Total liabilities and capital
  • $87,057Total liabilities
  • $79,423Total deposits
  • $87,057Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $237Subordinated debt
  • $14,727All other liabilities
  • $14,727Total equity capital
  • $14,727Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $300Surplus
  • $14,277Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $770Income earned, not collected on loans
  • $0Earning assets
  • $608Long-term assets (5+ years)
  • $99,465Average Assets, year-to-date
  • $25,626Average Assets, quarterly
  • $97,821Volatile liabilities
  • $100,262Insider loans
  • $48,203FHLB advances
  • $99,444Loans and leases held for sale
  • $566Unused loan commitments
  • $566Tier 1 (core) risk-based capital
  • $13,351Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,262Restructured Loans and leases
  • $214Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,906Total interest income
  • $1,037Total interest expense
  • $3,869Net interest income
  • $324Provision for loan and lease losses
  • $194Total noninterest income
  • $0Fiduciary activities
  • $195Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1Additional noninterest income
  • $2,418Total noninterest expense
  • $905Salaries and employee benefits
  • $194Premises and equipment expense
  • $1,319Additional noninterest expense
  • $1,321Pre-tax net operating income
  • $35Securities gains (losses)
  • $53Applicable income taxes
  • $1,303Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,303Net income attributable to bank
  • $0Net charge-offs
  • $1,303Cash dividends
  • $267Sale, conversion, retirement of capital stock, net
  • $1,105Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 9.11%Return on equity (ROE)
  • 1.38%Retained earnings to average equity (YTD only)
  • 0.81%Net charge-offs to loans
  • 121.35%Credit loss provision to net charge-offs
  • 6.16%Efficiency ratio
  • 59,513Assets per employee
  • 6.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.80%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 72.47%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 2.37%Net loans and leases to deposits
  • 36.65%Net loans and leases to core deposits
  • 40.11%Equity capital to assets
  • 14.44%Core capital (leverage) ratio
  • 13.43%Tier 1 risk-based capital ratio
  • 27.70%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $97,821Average earning assets
  • $14,307Average equity
  • $94,737Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08627First National Bank In Fredonia730 Madison Street, Fredonia, KS 66736September 16, 1871Full Service Brick and Mortar

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