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

First National Bank in Pratt - Overview

  • General
  • FDIC Certificate #: 4760
    Status: Active
    Federal Reserve ID: 305152
    Bank Holding Company (Regulatory Top Holder): Pratt Community Bancshares, Inc. (RSSDID: 3964765, Location: Pratt, KS)
    Date Established: April 24, 1902
    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: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15622
    FDIC's unique #: 3175
    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: 223 South Main Street, Pratt, KS 67124
    County: Pratt
    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
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $107.5 mil
    Equity capital: $11.0 mil
    Deposits held in domestic offices: $95.9 mil
    Return on assets (ROA): 0.60% ($0.6 mil)
    Quarterly return on assets: 0.94% ($1.0 mil)
    Return on Equity (ROE): 5.69% ($0.6 mil)
    Quarterly return on equity: 8.98% ($1.0 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.61% ($655.6 mil)
    Quarterly Pretax return on assets: 0.99% ($1,064.1 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
  • 28Total employees (full-time equivalent)
  • $107,481Total assets
  • $9,848Cash and due from depository institutions
  • $7,013Interest-bearing balances
  • $45,797Securities
  • $410Federal funds sold & reverse repurchase agreements
  • $44,697Net loans & leases
  • $415Loan loss allowance
  • $0Trading account assets
  • $997Bank premises and fixed assets
  • $55Other real estate owned
  • $1,624Goodwill and other intangibles
  • $107,480Life insurance assets
  • $4,053All other assets
  • $96,529Total liabilities and capital
  • $95,878Total liabilities
  • $75,104Total deposits
  • $95,878Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $651Subordinated debt
  • $10,951All other liabilities
  • $10,951Total equity capital
  • $10,951Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $9,230Surplus
  • $1,221Undivided 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
  • $507Long-term assets (5+ years)
  • $97,917Average Assets, year-to-date
  • $25,181Average Assets, quarterly
  • $102,540Volatile liabilities
  • $106,086Insider loans
  • $63,882FHLB advances
  • $106,018Loans and leases held for sale
  • $2,690Unused loan commitments
  • $2,690Tier 1 (core) risk-based capital
  • $9,076Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,410Restructured Loans and leases
  • $4,899Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,225Total interest income
  • $355Total interest expense
  • $2,870Net interest income
  • $87Provision for loan and lease losses
  • $715Total noninterest income
  • $193Fiduciary activities
  • $199Service charges on deposit accounts
  • $0Trading account gains & fees
  • $323Additional noninterest income
  • $2,941Total noninterest expense
  • $1,814Salaries and employee benefits
  • $182Premises and equipment expense
  • $945Additional noninterest expense
  • $557Pre-tax net operating income
  • $70Securities gains (losses)
  • $11Applicable income taxes
  • $616Income before extraordinary items
  • $0Extraordinary gains - net
  • $616Net income attributable to bank
  • $0Net charge-offs
  • $616Cash dividends
  • -$3Sale, conversion, retirement of capital stock, net
  • $193Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.45%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.53%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 5.69%Return on equity (ROE)
  • 3.91%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -2900.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,693Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.33%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 46.62%Net loans and leases to core deposits
  • 48.15%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 8.56%Tier 1 risk-based capital ratio
  • 14.21%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $102,540Average earning assets
  • $10,831Average equity
  • $93,474Average 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
  • $13,912Managed Assets
  • 1Number of Accounts
  • $10,648Personal trust and agency accounts
  • $10,648Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 51Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,264Other retirement accounts
  • $3,264Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03175First National Bank In Pratt223 South Main Street, Pratt, KS 67124April 24, 1902Full Service Brick and Mortar

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