The First National Bank and Trust Company of Junction City, Kansas in Junction City, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank and Trust Company of Junction City, Kansas - Overview

  • General
  • FDIC Certificate #: 4701
    Status: Active
    Federal Reserve ID: 240356
    Bank Holding Company (Regulatory Top Holder): Exchange Company (RSSDID: 1061893, Location: Kearney, NE)
    Date Established: January 01, 1886
    WWW: http://www.firstnational.cc
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11778
    FDIC's unique #: 3125
    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: Commercial Lending 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: 702 North Washington Street, Junction City, KS 66441
    County: Geary
    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
    Core Based Statistical Area (CBSA): Manhattan, KS (#31740)
    CBSA Metro Statistical Area: Manhattan, KS (#31740)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $108.7 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $75.0 mil
    Return on assets (ROA): 1.80% ($2.0 mil)
    Quarterly return on assets: 1.80% ($2.0 mil)
    Return on Equity (ROE): 14.23% ($2.0 mil)
    Quarterly return on equity: 13.90% ($1.9 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.88% ($2,043.6 mil)
    Quarterly Pretax return on assets: 1.90% ($2,065.3 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
  • 32Total employees (full-time equivalent)
  • $108,702Total assets
  • $1,504Cash and due from depository institutions
  • $223Interest-bearing balances
  • $55,174Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,941Net loans & leases
  • $716Loan loss allowance
  • $0Trading account assets
  • $622Bank premises and fixed assets
  • $518Other real estate owned
  • $3,103Goodwill and other intangibles
  • $108,702Life insurance assets
  • $4,840All other assets
  • $94,401Total liabilities and capital
  • $74,997Total liabilities
  • $67,761Total deposits
  • $74,997Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 1675.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,500Trading liabilities
  • $0Other borrowed funds
  • $229Subordinated debt
  • $14,301All other liabilities
  • $14,301Total equity capital
  • $14,301Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $6,753Surplus
  • $6,648Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $745Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $33Income earned, not collected on loans
  • $0Earning assets
  • $767Long-term assets (5+ years)
  • $98,338Average Assets, year-to-date
  • $36,753Average Assets, quarterly
  • $106,745Volatile liabilities
  • $109,390Insider loans
  • $75,967FHLB advances
  • $106,958Loans and leases held for sale
  • $2,407Unused loan commitments
  • $2,407Tier 1 (core) risk-based capital
  • $10,588Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,911Restructured Loans and leases
  • $1,777Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,871Total interest income
  • $1,634Total interest expense
  • $3,237Net interest income
  • $30Provision for loan and lease losses
  • $1,546Total noninterest income
  • $291Fiduciary activities
  • $304Service charges on deposit accounts
  • $0Trading account gains & fees
  • $951Additional noninterest income
  • $2,588Total noninterest expense
  • $1,408Salaries and employee benefits
  • $277Premises and equipment expense
  • $903Additional noninterest expense
  • $2,165Pre-tax net operating income
  • -$153Securities gains (losses)
  • $93Applicable income taxes
  • $1,919Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,919Net income attributable to bank
  • $0Net charge-offs
  • $1,919Cash dividends
  • -$44Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.69%Cost of funding earning assets
  • 3.36%Net interest margin
  • 1.60%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 1.93%Net operating income to assets
  • 1.80%Return on assets (ROA)
  • 1.88%Pretax return on assets
  • 14.23%Return on equity (ROE)
  • 8.30%Retained earnings to average equity (YTD only)
  • -0.10%Net charge-offs to loans
  • -68.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,108Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.69%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 2169.70%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 57.26%Net loans and leases to core deposits
  • 65.62%Equity capital to assets
  • 13.16%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 13.94%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $106,745Average earning assets
  • $13,490Average equity
  • $96,404Average 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
  • $35,315Managed Assets
  • 1Number of Accounts
  • $25,841Personal trust and agency accounts
  • $18,969Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,679Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $5,193Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 253Number of Accounts
  • $0Personal trust and agency accounts
  • $1,679Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,474Other retirement accounts
  • $1Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,819Fiduciary accounts held in foreign offices

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03125The First National Bank And Trust Company Of Junction City, Kansas702 North Washington Street, Junction City, KS 66441January 01, 1886Full Service Brick and Mortar
    1204003West Branch1038 West Sixth Street, Junction City, KS 66441December 28, 1976Limited Service Facility
    2204004Herington Branch20 East Main Street, Herington, KS 67449October 21, 1993Full Service Brick and Mortar

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