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


The First National Bank of Howard - Overview

  • General
  • FDIC Certificate #: 4692
    Status: Active
    Federal Reserve ID: 814953
    Bank Holding Company (Regulatory Top Holder): First Howard Bankshares, Inc. (RSSDID: 1059519, Location: Cherryvale, KS)
    Date Established: January 01, 1885
    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 #: 3119
    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: June 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 S Wabash St, Howard, KS 67349
    County: Elk
    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: $8.6 mil
    Equity capital: $1.6 mil
    Deposits held in domestic offices: $6.9 mil
    Return on assets (ROA): 0.70% ($0.1 mil)
    Quarterly return on assets: 0.28% ($0.0 mil)
    Return on Equity (ROE): 3.89% ($0.1 mil)
    Quarterly return on equity: 1.46% ($0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.73% ($62.5 mil)
    Quarterly Pretax return on assets: 0.33% ($28.3 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
  • 3Total employees (full-time equivalent)
  • $8,565Total assets
  • $1,204Cash and due from depository institutions
  • $750Interest-bearing balances
  • $918Securities
  • $2,430Federal funds sold & reverse repurchase agreements
  • $3,682Net loans & leases
  • $38Loan loss allowance
  • $0Trading account assets
  • $5Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $8,565Life insurance assets
  • $326All other assets
  • $6,920Total liabilities and capital
  • $6,897Total liabilities
  • $4,912Total deposits
  • $6,897Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $23Subordinated debt
  • $1,645All other liabilities
  • $1,645Total equity capital
  • $1,645Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $100Surplus
  • $1,495Undivided 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
  • $44Long-term assets (5+ years)
  • $7,780Average Assets, year-to-date
  • $619Average Assets, quarterly
  • $9,154Volatile liabilities
  • $8,562Insider loans
  • $4,887FHLB advances
  • $8,295Loans and leases held for sale
  • $238Unused loan commitments
  • $238Tier 1 (core) risk-based capital
  • $1,645Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $364Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $265Total interest income
  • $23Total interest expense
  • $242Net interest income
  • $1Provision for loan and lease losses
  • $57Total noninterest income
  • $0Fiduciary activities
  • $38Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $231Total noninterest expense
  • $109Salaries and employee benefits
  • $14Premises and equipment expense
  • $108Additional noninterest expense
  • $67Pre-tax net operating income
  • $0Securities gains (losses)
  • $3Applicable income taxes
  • $64Income before extraordinary items
  • $0Extraordinary gains - net
  • $64Net income attributable to bank
  • $0Net charge-offs
  • $64Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $53Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.09%Yield on earning assets
  • 0.27%Cost of funding earning assets
  • 2.83%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 3.89%Return on equity (ROE)
  • 0.67%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 68.00%Efficiency ratio
  • 77,258Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.81%Loss allowance to loans
  • 1.02%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
  • 53.39%Net loans and leases to core deposits
  • 56.67%Equity capital to assets
  • 19.21%Core capital (leverage) ratio
  • 19.83%Tier 1 risk-based capital ratio
  • 33.66%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $9,154Average earning assets
  • $1,647Average equity
  • $8,564Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03119The First National Bank Of Howard101 S Wabash St, Howard, KS 67349January 01, 1885Full Service Brick and Mortar

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