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

The First National Bank of Girard - Overview

  • General
  • FDIC Certificate #: 4672
    Status: Active
    Federal Reserve ID: 743053
    Bank Holding Company (Regulatory Top Holder): Mid-America Bancshares, Inc. (RSSDID: 1051269, Location: Girard, KS)
    Date Established: January 01, 1878
    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 #: 3104
    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: 201 South Summit, Girard, KS 66743
    County: Crawford
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Pittsburg, KS (#38260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $72.1 mil
    Equity capital: $7.9 mil
    Deposits held in domestic offices: $60.0 mil
    Return on assets (ROA): 1.25% ($0.9 mil)
    Quarterly return on assets: 1.05% ($0.8 mil)
    Return on Equity (ROE): 11.54% ($0.9 mil)
    Quarterly return on equity: 9.44% ($0.8 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.30% ($937.6 mil)
    Quarterly Pretax return on assets: 1.09% ($786.1 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
  • 13Total employees (full-time equivalent)
  • $72,121Total assets
  • $1,595Cash and due from depository institutions
  • $452Interest-bearing balances
  • $25,309Securities
  • $3,225Federal funds sold & reverse repurchase agreements
  • $40,132Net loans & leases
  • $788Loan loss allowance
  • $0Trading account assets
  • $523Bank premises and fixed assets
  • $42Other real estate owned
  • $0Goodwill and other intangibles
  • $72,121Life insurance assets
  • $1,295All other assets
  • $64,195Total liabilities and capital
  • $59,953Total liabilities
  • $49,302Total deposits
  • $59,953Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 600.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,459Trading liabilities
  • $0Other borrowed funds
  • $183Subordinated debt
  • $7,926All other liabilities
  • $7,926Total equity capital
  • $7,926Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $450Surplus
  • $7,076Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $525Income earned, not collected on loans
  • $0Earning assets
  • $658Long-term assets (5+ years)
  • $69,118Average Assets, year-to-date
  • $13,384Average Assets, quarterly
  • $72,108Volatile liabilities
  • $71,464Insider loans
  • $41,551FHLB advances
  • $70,642Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,811Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,005Restructured Loans and leases
  • $110Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,111Total interest income
  • $632Total interest expense
  • $2,479Net interest income
  • $180Provision for loan and lease losses
  • $318Total noninterest income
  • $0Fiduciary activities
  • $206Service charges on deposit accounts
  • $0Trading account gains & fees
  • $112Additional noninterest income
  • $1,678Total noninterest expense
  • $910Salaries and employee benefits
  • $191Premises and equipment expense
  • $577Additional noninterest expense
  • $939Pre-tax net operating income
  • $0Securities gains (losses)
  • $36Applicable income taxes
  • $903Income before extraordinary items
  • $0Extraordinary gains - net
  • $903Net income attributable to bank
  • $0Net charge-offs
  • $903Cash dividends
  • $138Sale, conversion, retirement of capital stock, net
  • $690Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 11.54%Return on equity (ROE)
  • 2.72%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 130.43%Credit loss provision to net charge-offs
  • 8.11%Efficiency ratio
  • 59,993Assets per employee
  • 5.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.41%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 150.10%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 66.94%Net loans and leases to core deposits
  • 73.70%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 11.06%Tier 1 risk-based capital ratio
  • 18.80%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $72,108Average earning assets
  • $7,825Average equity
  • $69,318Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03104The First National Bank Of Girard201 South Summit, Girard, KS 66743January 01, 1878Full Service Brick and Mortar

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