The Farmers National Bank of Stafford in Stafford, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Farmers National Bank of Stafford - Overview

  • General
  • FDIC Certificate #: 4775
    Status: Active
    Federal Reserve ID: 48057
    Bank Holding Company (Regulatory Top Holder): Farmers National Bancshares, Inc. (RSSDID: 1980592, Location: Stafford, KS)
    Date Established: January 01, 1886
    WWW: http://www.farmersnationalbanks.com
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 3188
    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: No
    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: 200 South Main Street, Stafford, KS 67578
    County: Stafford
    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: $105.6 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $94.2 mil
    Return on assets (ROA): 0.60% ($0.6 mil)
    Quarterly return on assets: -0.18% (-$0.2 mil)
    Return on Equity (ROE): 6.84% ($0.7 mil)
    Quarterly return on equity: -2.01% (-$0.2 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.71% ($749.4 mil)
    Quarterly Pretax return on assets: -0.08% (-$84.4 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
  • 27Total employees (full-time equivalent)
  • $105,554Total assets
  • $21,405Cash and due from depository institutions
  • $17,665Interest-bearing balances
  • $20,167Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,300Net loans & leases
  • $993Loan loss allowance
  • $0Trading account assets
  • $3,482Bank premises and fixed assets
  • $0Other real estate owned
  • $566Goodwill and other intangibles
  • $105,554Life insurance assets
  • $3,634All other assets
  • $95,983Total liabilities and capital
  • $94,228Total liabilities
  • $79,115Total deposits
  • $94,228Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,755Subordinated debt
  • $9,571All other liabilities
  • $9,571Total equity capital
  • $9,571Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $3,045Surplus
  • $6,346Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,968Income earned, not collected on loans
  • $0Earning assets
  • $1,282Long-term assets (5+ years)
  • $94,132Average Assets, year-to-date
  • $11,126Average Assets, quarterly
  • $101,430Volatile liabilities
  • $104,183Insider loans
  • $68,092FHLB advances
  • $106,644Loans and leases held for sale
  • $1,374Unused loan commitments
  • $1,374Tier 1 (core) risk-based capital
  • $8,684Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,436Restructured Loans and leases
  • $728Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,291Total interest income
  • $823Total interest expense
  • $3,468Net interest income
  • $370Provision for loan and lease losses
  • $355Total noninterest income
  • $0Fiduciary activities
  • $175Service charges on deposit accounts
  • $0Trading account gains & fees
  • $180Additional noninterest income
  • $2,737Total noninterest expense
  • $1,309Salaries and employee benefits
  • $606Premises and equipment expense
  • $822Additional noninterest expense
  • $716Pre-tax net operating income
  • $5Securities gains (losses)
  • $116Applicable income taxes
  • $605Income before extraordinary items
  • $0Extraordinary gains - net
  • $605Net income attributable to bank
  • $0Net charge-offs
  • $605Cash dividends
  • $348Sale, conversion, retirement of capital stock, net
  • $205Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 6.84%Return on equity (ROE)
  • 4.52%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 106.32%Credit loss provision to net charge-offs
  • 3.12%Efficiency ratio
  • 71,593Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.88%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 33.46%Noncurrent assets plus other real estate owned to assets
  • 2.81%Noncurrent loans to loans
  • 5.18%Net loans and leases to deposits
  • 59.75%Net loans and leases to core deposits
  • 66.27%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 8.14%Tier 1 risk-based capital ratio
  • 12.75%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $101,430Average earning assets
  • $8,842Average equity
  • $88,959Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03188The Farmers National Bank Of Staffor200 South Main Street, Stafford, KS 67578January 01, 1886Full Service Brick and Mortar
    110114North Main Branch200 North Main Street, Buhler, KS 67522October 23, 1902Full Service Brick and Mortar
    211577107 South Main Street Branch107 South Main Street, Inman, KS 67546October 14, 1893Full Service Brick and Mortar
    4493080Farmers National Bank - Hutchinson B1520 East 30th Ave, Hutchinson, KS 67502July 27, 2009Full Service Brick and Mortar

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