First National Bank in Fredonia in Fredonia, Kansas (KS)

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First National Bank in Fredonia
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)15
Total assets$102,021
Cash and due from depository institutions$2,188
Interest-bearing balances$1,463
Federal funds sold & reverse repurchase agreements$3,000
Net loans & leases$31,910
Loan loss allowance $558
Trading account assets$0
Bank premises and fixed assets$247
Other real estate owned$245
Goodwill and other intangibles$0
All other assets$1,339
Life insurance assets$102,021
Total liabilities and capital$87,294
Total liabilities$87,057
Total deposits$79,423
Interest-bearing deposits$87,057
Deposits held in domestic offices$76
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $237
All other liabilities $14,727
Total equity capital$14,727
Total bank equity capital$14,727
Perpetual preferred stock$0
Common stock$150
Undivided profits $14,277
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $770
Earning assets $0
Long-term assets (5+ years) $608
Average Assets, year-to-date $99,465
Average Assets, quarterly $25,626
Volatile liabilities $97,821
Insider loans $100,262
FHLB advances $48,203
Loans and leases held for sale $99,444
Unused loan commitments $566
Tier 1 (core) risk-based capital $566
Tier 2 risk-based capital $13,351
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,262
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,906
Total interest expense $1,037
Net interest income $3,869
Provision for loan and lease losses $324
Total noninterest income $194
Fiduciary activities $0
Service charges on deposit accounts $195
Trading account gains & fees $0
Additional noninterest income -$1
Total noninterest expense $2,418
Salaries and employee benefits $905
Premises and equipment expense $194
Additional noninterest expense $1,319
Pre-tax net operating income $1,321
Securities gains (losses) $35
Applicable income taxes $53
Income before extraordinary items $1,303
Extraordinary gains - net $0
Net income attributable to bank $1,303
Net charge-offs $0
Cash dividends $1,303
Sale, conversion, retirement of capital stock, net $267
Net operating income $1,105
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.18%
Cost of funding earning assets 1.09%
Net interest margin 4.08%
Noninterest income to earning assets 0.20%
Noninterest expense to earning assets 2.55%
Net operating income to assets 1.30%
Return on assets (ROA) 1.33%
Pretax return on assets 1.39%
Return on equity (ROE) 9.11%
Retained earnings to average equity (YTD only) 1.38%
Net charge-offs to loans 0.81%
Credit loss provision to net charge-offs 121.35%
Efficiency ratio6.16%
Assets per employee$59,513
Cash dividends to net income (YTD only)6.80%
Condition Ratios (%)
Loss allowance to loans 84.80%
Loss allowance to noncurrent loans 1.72%
Noncurrent assets plus other real estate owned to assets 72.47%
Noncurrent loans to loans 0.99%
Net loans and leases to deposits2.37%
Net loans and leases to core deposits 36.65%
Equity capital to assets 40.11%
Core capital (leverage) ratio 14.44%
Tier 1 risk-based capital ratio 13.43%
Total risk-based capital ratio 27.70%
Average assets$29
Average earning assets$97,821
Average equity $14,307
Average loans $94,737
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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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