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

The First National Bank in Cimarron - Overview

  • General
  • FDIC Certificate #: 4638
    Status: Active
    Federal Reserve ID: 677354
    Bank Holding Company (Regulatory Top Holder): First National Agency, Inc. (RSSDID: 1051625, Location: Cimarron, KS)
    Date Established: May 21, 1929
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3076
    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: 121 North Main, Cimarron, KS 67835
    County: Gray
    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: $91.8 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $80.6 mil
    Return on assets (ROA): 1.49% ($1.4 mil)
    Quarterly return on assets: 0.72% ($0.7 mil)
    Return on Equity (ROE): 17.72% ($1.4 mil)
    Quarterly return on equity: 7.94% ($0.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.56% ($1,431.3 mil)
    Quarterly Pretax return on assets: 0.73% ($669.8 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
  • 21Total employees (full-time equivalent)
  • $91,750Total assets
  • $10,328Cash and due from depository institutions
  • $115Interest-bearing balances
  • $41,737Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $37,009Net loans & leases
  • $589Loan loss allowance
  • $712Trading account assets
  • $619Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $91,750Life insurance assets
  • $1,345All other assets
  • $83,998Total liabilities and capital
  • $80,561Total liabilities
  • $54,193Total deposits
  • $80,561Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,744Trading liabilities
  • $0Other borrowed funds
  • $693Subordinated debt
  • $7,752All other liabilities
  • $7,752Total equity capital
  • $7,752Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,600Surplus
  • $6,052Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4Income earned, not collected on loans
  • $0Earning assets
  • $675Long-term assets (5+ years)
  • $79,573Average Assets, year-to-date
  • $40,373Average Assets, quarterly
  • $84,284Volatile liabilities
  • $86,788Insider loans
  • $42,775FHLB advances
  • $80,788Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,068Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,723Restructured Loans and leases
  • $1,295Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,739Total interest income
  • $553Total interest expense
  • $3,186Net interest income
  • $50Provision for loan and lease losses
  • $643Total noninterest income
  • $0Fiduciary activities
  • $242Service charges on deposit accounts
  • $84Trading account gains & fees
  • $317Additional noninterest income
  • $2,544Total noninterest expense
  • $1,636Salaries and employee benefits
  • $276Premises and equipment expense
  • $632Additional noninterest expense
  • $1,235Pre-tax net operating income
  • $77Securities gains (losses)
  • $54Applicable income taxes
  • $1,258Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,258Net income attributable to bank
  • $0Net charge-offs
  • $1,258Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $865Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.85%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 17.72%Return on equity (ROE)
  • 5.54%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 250.00%Credit loss provision to net charge-offs
  • 64.25%Efficiency ratio
  • 66,440Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.76%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 14725.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 45.94%Net loans and leases to core deposits
  • 47.51%Equity capital to assets
  • 8.45%Core capital (leverage) ratio
  • 7.51%Tier 1 risk-based capital ratio
  • 14.19%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $84,284Average earning assets
  • $7,099Average equity
  • $77,075Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03076The First National Bank In Cimarron121 North Main, Cimarron, KS 67835May 21, 1929Full Service Brick and Mortar
    18318Ingalls BranchMain Street, Ingalls, KS 67853May 26, 1909Full Service Brick and Mortar

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