The First National Bank and Trust in Saint John, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 16, 2004

The First National Bank and Trust in Saint John, Kansas (KS)
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The First National Bank and Trust - Overview

General
FDIC Certificate #: 4765
Status: Inactive
Closing history: Corrections
Acquiring institution: American State Bank & Trust Company (#57144)
Federal Reserve ID: 535351
Date Established: April 01, 1885
WWW: http://www.fnbsj.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 3179
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 16, 2004
Last Structure Change Process Date: July 16, 2004
Last Data Update: July 16, 2004
Data Source Date: April 05, 2012
Location
Address: Main Street, Saint John, KS 67576
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
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $47.4 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, 2003)

Dollar figures in thousands
17Total employees (full-time equivalent)
$50,177Total assets
$1,377Cash and due from depository institutions
$35Interest-bearing balances
$17,086Securities
$0Federal funds sold & reverse repurchase agreements
$28,771Net loans & leases
$543Loan loss allowance
$0Trading account assets
$400Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,543All other assets
$50,177Total liabilities and capital
$43,726Total liabilities
$38,331Total deposits
$34,347Interest-bearing deposits
$38,331Deposits held in domestic offices
0.00%% insured (estimated)
$2,065Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,000Other borrowed funds
$0Subordinated debt
$1,330All other liabilities
$6,451Total equity capital
$6,451Total bank equity capital
$6,451Perpetual preferred stock
$0Common stock
$600Surplus
$600Undivided profits
Memoranda
$5,251Noncurrent loans and leases
$2,362Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$780Earning assets
$0Long-term assets (5+ years)
$531Average Assets, year-to-date
$45,892Average Assets, quarterly
$8,055Volatile liabilities
$49,103Insider loans
$48,350FHLB advances
$8,490Loans and leases held for sale
$990Unused loan commitments
$2,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,362Total unused commitments
$0Restructured Loans and leases
$431Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$2,880Total interest income
$777Total interest expense
$2,103Net interest income
$94Provision for loan and lease losses
$279Total noninterest income
$0Fiduciary activities
$128Service charges on deposit accounts
$0Trading account gains & fees
$151Additional noninterest income
$1,460Total noninterest expense
$905Salaries and employee benefits
$183Premises and equipment expense
$372Additional noninterest expense
$828Pre-tax net operating income
$48Securities gains (losses)
$0Applicable income taxes
$876Income before extraordinary items
$0Extraordinary gains - net
$876Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$22Sale, conversion, retirement of capital stock, net
$918Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.38%Yield on earning assets
1.72%Cost of funding earning assets
4.66%Net interest margin
0.62%Noninterest income to earning assets
3.24%Noninterest expense to earning assets
1.69%Net operating income to assets
1.78%Return on assets (ROA)
1.78%Pretax return on assets
12.93%Return on equity (ROE)
-0.62%Retained earnings to average equity (YTD only)
-0.07%Net charge-offs to loans
-427.27%Credit loss provision to net charge-offs
0.00%Efficiency ratio
61,293Assets per employee
2.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
104.79%Loss allowance to loans
1.85%Loss allowance to noncurrent loans
69.62%Noncurrent assets plus other real estate owned to assets
1.55%Noncurrent loans to loans
2.66%Net loans and leases to deposits
75.06%Net loans and leases to core deposits
86.13%Equity capital to assets
12.86%Core capital (leverage) ratio
12.95%Tier 1 risk-based capital ratio
18.22%Total risk-based capital ratio
Memoranda
$19Average assets
$49,103Average earning assets
$6,772Average equity
$45,111Average loans

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