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

This bank is inactive as of August 01, 1994

  • The First National Bank of Kensington in Kensington, Kansas (KS)
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The First National Bank of Kensington - Overview

  • General
  • FDIC Certificate #: 4706
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Farmers National Bank (#4611)
    Federal Reserve ID: 1016950
    Date Established: January 01, 1888
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 3129
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 01, 1994
    Last Structure Change Process Date: August 15, 1994
    Last Data Update: August 15, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Ash, Kensington, KS 66951
    County: Smith
    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
  • Financial Summary
  • Total assets: $11.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8Total assets
  • $11,835Cash and due from depository institutions
  • $457Interest-bearing balances
  • $0Securities
  • $7,510Federal funds sold & reverse repurchase agreements
  • $1,700Net loans & leases
  • $1,988Loan loss allowance
  • $124Trading account assets
  • $0Bank premises and fixed assets
  • $1Other real estate owned
  • $12Goodwill and other intangibles
  • $167Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $11,835Total liabilities
  • $10,149Total deposits
  • $10,081Interest-bearing deposits
  • $8,860Deposits held in domestic offices
  • 10081.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $68Total equity capital
  • $68Total bank equity capital
  • $1,686Perpetual preferred stock
  • $0Common stock
  • $25Surplus
  • $150Undivided profits
  • Memoranda
  • $1,511Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $78Income earned, not collected on loans
  • $29Earning assets
  • $11,198Long-term assets (5+ years)
  • $4,447Average Assets, year-to-date
  • $11,695Average Assets, quarterly
  • $11,739Volatile liabilities
  • $300Insider loans
  • $60FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,686Total risk weighted assets
  • $2,989Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $828Total interest expense
  • $353Net interest income
  • $475Provision for loan and lease losses
  • $28Total noninterest income
  • $39Fiduciary activities
  • $0Service charges on deposit accounts
  • $35Trading account gains & fees
  • $0Additional noninterest income
  • $4Total noninterest expense
  • $398Salaries and employee benefits
  • $285Premises and equipment expense
  • $10Additional noninterest expense
  • $103Pre-tax net operating income
  • $88Securities gains (losses)
  • $6Applicable income taxes
  • $12Income before extraordinary items
  • $82Extraordinary gains - net
  • $27Net income attributable to bank
  • $109Net charge-offs
  • $69Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.51%Cost of funding earning assets
  • 3.20%Net interest margin
  • 4.31%Noninterest income to earning assets
  • 0.35%Noninterest expense to earning assets
  • 3.61%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 1.03%Return on equity (ROE)
  • 6.54%Retained earnings to average equity (YTD only)
  • 4.74%Net charge-offs to loans
  • 2.90%Credit loss provision to net charge-offs
  • 40.58%Efficiency ratio
  • 77,432Assets per employee
  • 1.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.52%Loss allowance to loans
  • 5.87%Loss allowance to noncurrent loans
  • 158.97%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 3.69%Net loans and leases to deposits
  • 19.72%Net loans and leases to core deposits
  • 20.33%Equity capital to assets
  • 14.25%Core capital (leverage) ratio
  • 14.23%Tier 1 risk-based capital ratio
  • 56.42%Total risk-based capital ratio
  • Memoranda
  • $58Average assets
  • $11,695Average earning assets
  • $1,666Average equity
  • $11,031Average loans

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