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

The First National Bank of Beloit - Overview

  • General
  • FDIC Certificate #: 4630
    Status: Active
    Federal Reserve ID: 1011553
    Bank Holding Company (Regulatory Top Holder): First National Bankshares Of Beloit, Inc. (RSSDID: 1063244, Location: Beloit, KS)
    Date Established: January 01, 1884
    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: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15384
    FDIC's unique #: 3071
    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: 101 East Main Street, Beloit, KS 67420
    County: Mitchell
    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: $79.3 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $69.2 mil
    Return on assets (ROA): 0.81% ($0.6 mil)
    Quarterly return on assets: 0.52% ($0.4 mil)
    Return on Equity (ROE): 7.16% ($0.6 mil)
    Quarterly return on equity: 4.70% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.08% ($856.3 mil)
    Quarterly Pretax return on assets: 0.66% ($523.3 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
  • 17Total employees (full-time equivalent)
  • $79,291Total assets
  • $12,793Cash and due from depository institutions
  • $4,959Interest-bearing balances
  • $22,066Securities
  • $31Federal funds sold & reverse repurchase agreements
  • $38,263Net loans & leases
  • $412Loan loss allowance
  • $0Trading account assets
  • $3,109Bank premises and fixed assets
  • $234Other real estate owned
  • $0Goodwill and other intangibles
  • $79,291Life insurance assets
  • $2,795All other assets
  • $71,185Total liabilities and capital
  • $69,182Total liabilities
  • $53,338Total deposits
  • $69,182Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,460Trading liabilities
  • $0Other borrowed funds
  • $543Subordinated debt
  • $8,106All other liabilities
  • $8,106Total equity capital
  • $8,106Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $250Surplus
  • $7,781Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $549Income earned, not collected on loans
  • $0Earning assets
  • $481Long-term assets (5+ years)
  • $65,319Average Assets, year-to-date
  • $7,415Average Assets, quarterly
  • $69,270Volatile liabilities
  • $73,465Insider loans
  • $48,887FHLB advances
  • $70,499Loans and leases held for sale
  • $1,767Unused loan commitments
  • $1,767Tier 1 (core) risk-based capital
  • $8,010Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,264Restructured Loans and leases
  • $61Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,617Total interest income
  • $419Total interest expense
  • $2,198Net interest income
  • $30Provision for loan and lease losses
  • $276Total noninterest income
  • $0Fiduciary activities
  • $152Service charges on deposit accounts
  • $0Trading account gains & fees
  • $124Additional noninterest income
  • $1,735Total noninterest expense
  • $1,100Salaries and employee benefits
  • $194Premises and equipment expense
  • $441Additional noninterest expense
  • $709Pre-tax net operating income
  • $36Securities gains (losses)
  • $181Applicable income taxes
  • $564Income before extraordinary items
  • $0Extraordinary gains - net
  • $564Net income attributable to bank
  • $0Net charge-offs
  • $564Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 7.16%Return on equity (ROE)
  • 7.16%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 85.71%Credit loss provision to net charge-offs
  • 21.11%Efficiency ratio
  • 70,129Assets per employee
  • 4.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 75.05%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 1.42%Net loans and leases to deposits
  • 55.31%Net loans and leases to core deposits
  • 57.06%Equity capital to assets
  • 10.22%Core capital (leverage) ratio
  • 11.36%Tier 1 risk-based capital ratio
  • 16.38%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $69,270Average earning assets
  • $7,877Average equity
  • $59,322Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03071The First National Bank Of Beloit101 East Main Street, Beloit, KS 67420January 01, 1884Full Service Brick and Mortar

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