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

This bank is inactive as of October 16, 2010

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

  • General
  • FDIC Certificate #: 4715
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: The Citizens State Bank (#15111)
    Federal Reserve ID: 111559
    Date Established: August 01, 1899
    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)
    OTS Docket #: 14734
    FDIC's unique #: 3137
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 16, 2010
    Last Structure Change Process Date: November 02, 2010
    Last Data Update: November 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: Sixth And Main, Le Roy, KS 66857
    County: Coffey
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $24.9 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, 2009)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $29,530Total assets
  • $1,981Cash and due from depository institutions
  • $303Interest-bearing balances
  • $2,108Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $18,736Net loans & leases
  • $280Loan loss allowance
  • $0Trading account assets
  • $79Bank premises and fixed assets
  • $13Other real estate owned
  • $0Goodwill and other intangibles
  • $1,076Life insurance assets
  • $1,613All other assets
  • $29,530Total liabilities and capital
  • $23,721Total liabilities
  • $23,529Total deposits
  • $21,301Interest-bearing deposits
  • $23,529Deposits held in domestic offices
  • 94.75%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $192All other liabilities
  • $5,809Total equity capital
  • $5,809Total bank equity capital
  • $5,809Perpetual preferred stock
  • $0Common stock
  • $40Surplus
  • $170Undivided profits
  • Memoranda
  • $5,599Noncurrent loans and leases
  • $4,064Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $771Earning assets
  • $82Long-term assets (5+ years)
  • $358Average Assets, year-to-date
  • $26,147Average Assets, quarterly
  • $887Volatile liabilities
  • $29,136Insider loans
  • $29,303FHLB advances
  • $5,361Loans and leases held for sale
  • $1,086Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,064Total unused commitments
  • $0Restructured Loans and leases
  • $265Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $1,484Total interest income
  • $570Total interest expense
  • $914Net interest income
  • $223Provision for loan and lease losses
  • $64Total noninterest income
  • $0Fiduciary activities
  • $13Service charges on deposit accounts
  • $0Trading account gains & fees
  • $51Additional noninterest income
  • $614Total noninterest expense
  • $306Salaries and employee benefits
  • $20Premises and equipment expense
  • $288Additional noninterest expense
  • $141Pre-tax net operating income
  • $0Securities gains (losses)
  • $7Applicable income taxes
  • $134Income before extraordinary items
  • $0Extraordinary gains - net
  • $134Net income attributable to bank
  • $0Net charge-offs
  • $134Cash dividends
  • $177Sale, conversion, retirement of capital stock, net
  • $166Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.70%Yield on earning assets
  • 2.19%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.36%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 2.28%Return on equity (ROE)
  • -0.55%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 125.99%Credit loss provision to net charge-offs
  • 2.06%Efficiency ratio
  • 62,781Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 123.88%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 36.32%Noncurrent assets plus other real estate owned to assets
  • 2.65%Noncurrent loans to loans
  • 4.05%Net loans and leases to deposits
  • 79.63%Net loans and leases to core deposits
  • 103.13%Equity capital to assets
  • 19.67%Core capital (leverage) ratio
  • 19.96%Tier 1 risk-based capital ratio
  • 27.28%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $29,136Average earning assets
  • $5,865Average equity
  • $26,036Average loans

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