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


The First National Bank of Cunningham - Overview

  • General
  • FDIC Certificate #: 4652
    Status: Active
    Federal Reserve ID: 789051
    Date Established: July 23, 1925
    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)
    FDIC's unique #: 3090
    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: December 02, 2008
    Last Structure Change Process Date: December 08, 2008
    Last Data Update: December 08, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 East First Street, Cunningham, KS 67035
    County: Kingman
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $29.5 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $25.4 mil
    Return on assets (ROA): 1.19% ($0.4 mil)
    Quarterly return on assets: 1.22% ($0.4 mil)
    Return on Equity (ROE): 11.18% ($0.3 mil)
    Quarterly return on equity: 10.84% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.23% ($362.9 mil)
    Quarterly Pretax return on assets: 1.28% ($377.6 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
  • 8Total employees (full-time equivalent)
  • $29,501Total assets
  • $1,361Cash and due from depository institutions
  • $513Interest-bearing balances
  • $15,853Securities
  • $290Federal funds sold & reverse repurchase agreements
  • $10,707Net loans & leases
  • $113Loan loss allowance
  • $0Trading account assets
  • $92Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,501Life insurance assets
  • $1,198All other assets
  • $26,253Total liabilities and capital
  • $25,386Total liabilities
  • $16,470Total deposits
  • $25,386Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $800Trading liabilities
  • $0Other borrowed funds
  • $67Subordinated debt
  • $3,248All other liabilities
  • $3,248Total equity capital
  • $3,248Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $300Surplus
  • $2,848Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $206Long-term assets (5+ years)
  • $27,363Average Assets, year-to-date
  • $14,020Average Assets, quarterly
  • $28,680Volatile liabilities
  • $28,793Insider loans
  • $15,776FHLB advances
  • $28,928Loans and leases held for sale
  • $694Unused loan commitments
  • $694Tier 1 (core) risk-based capital
  • $2,730Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,095Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,283Total interest income
  • $150Total interest expense
  • $1,133Net interest income
  • $0Provision for loan and lease losses
  • $112Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $891Total noninterest expense
  • $541Salaries and employee benefits
  • $86Premises and equipment expense
  • $264Additional noninterest expense
  • $354Pre-tax net operating income
  • $0Securities gains (losses)
  • $14Applicable income taxes
  • $340Income before extraordinary items
  • $0Extraordinary gains - net
  • $340Net income attributable to bank
  • $0Net charge-offs
  • $340Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 11.18%Return on equity (ROE)
  • 6.25%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,566Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.12%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 42.18%Net loans and leases to core deposits
  • 43.73%Equity capital to assets
  • 11.01%Core capital (leverage) ratio
  • 9.44%Tier 1 risk-based capital ratio
  • 17.30%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $28,680Average earning assets
  • $3,041Average equity
  • $26,634Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03090The First National Bank Of Cunningha101 East First Street, Cunningham, KS 67035July 23, 1925Full Service Brick and Mortar

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