The First National Bank of Liberal in Liberal, Kansas (KS)



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The First National Bank of Liberal routing number info

Table of contents:
The First National Bank of Liberal
GeneralFDIC Certificate #: 4717
Status: Active
Federal Reserve ID: 114158
Bank Holding Company (Regulatory Top Holder): Kansas Bank Corporation (RSSDID: 1050075, Location: Johnson, KS)
Date Established: July 13, 1900
WWW: http://www.fnbliberal.com
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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 3138
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 23, 2008
Last Structure Change Process Date: March 31, 2009
Last Data Update: March 31, 2009
Data Source Date: April 05, 2012
LocationAddress: 1700 N Lincoln Ave, Liberal, KS 67901
County: Seward
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
Core Based Statistical Area (CBSA): Liberal, KS (#30580)
CBSA Micro Statistical Area: Yes
History of ChangesCorrections
Change in Location
Financial SummaryTotal assets: $241.3 mil
Equity capital: $22.9 mil
Deposits held in domestic offices: $211.9 mil
Return on assets (ROA): 0.96% ($2.3 mil)
Quarterly return on assets: 0.98% ($2.4 mil)
Return on Equity (ROE): 10.87% ($2.5 mil)
Quarterly return on equity: 10.35% ($2.4 mil)
Net income: $2.3 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.21% ($2,919.3 mil)
Quarterly Pretax return on assets: 1.24% ($2,991.6 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)
Total employees (full-time equivalent)56
Total assets$241,262
Cash and due from depository institutions$8,825
Interest-bearing balances$2,086
Securities$99,222
Federal funds sold & reverse repurchase agreements$1,773
Net loans & leases$121,006
Loan loss allowance $1,933
Trading account assets$0
Bank premises and fixed assets$6,813
Other real estate owned$278
Goodwill and other intangibles$0
All other assets$3,345
Life insurance assets$241,262
Total liabilities and capital$218,374
Total liabilities$211,917
Total deposits$171,215
Interest-bearing deposits$211,917
Deposits held in domestic offices$69
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,258
Other borrowed funds $0
Subordinated debt $1,199
All other liabilities $22,888
Total equity capital$22,888
Total bank equity capital$22,888
Perpetual preferred stock$0
Common stock$1,000
Surplus$2,500
Undivided profits $19,388
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $19
Earning assets $0
Long-term assets (5+ years) $1,654
Average Assets, year-to-date $224,087
Average Assets, quarterly $102,729
Volatile liabilities $242,091
Insider loans $242,407
FHLB advances $147,713
Loans and leases held for sale $242,607
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,927
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $24,789
Derivatives$3,367
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,965
Total interest expense $1,638
Net interest income $8,327
Provision for loan and lease losses $150
Total noninterest income $1,208
Fiduciary activities $0
Service charges on deposit accounts $836
Trading account gains & fees $0
Additional noninterest income $372
Total noninterest expense $6,525
Salaries and employee benefits $3,677
Premises and equipment expense $1,074
Additional noninterest expense $1,774
Pre-tax net operating income $2,860
Securities gains (losses) $71
Applicable income taxes $605
Income before extraordinary items $2,326
Extraordinary gains - net $0
Net income attributable to bank $2,326
Net charge-offs $0
Cash dividends $2,326
Sale, conversion, retirement of capital stock, net -$76
Net operating income $1,200
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.43%
Cost of funding earning assets 0.73%
Net interest margin 3.70%
Noninterest income to earning assets 0.54%
Noninterest expense to earning assets 2.90%
Net operating income to assets 0.94%
Return on assets (ROA) 0.96%
Pretax return on assets 1.21%
Return on equity (ROE) 10.87%
Retained earnings to average equity (YTD only) 5.26%
Net charge-offs to loans -0.06%
Credit loss provision to net charge-offs -197.37%
Efficiency ratio0.00%
Assets per employee$68,432
Cash dividends to net income (YTD only)4.31%
Condition Ratios (%)
Loss allowance to loans 51.59%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 10173.68%
Noncurrent loans to loans 0.12%
Net loans and leases to deposits0.02%
Net loans and leases to core deposits 57.10%
Equity capital to assets 68.77%
Core capital (leverage) ratio 9.49%
Tier 1 risk-based capital ratio 8.63%
Total risk-based capital ratio 14.17%
Memoranda
Average assets$15
Average earning assets$242,091
Average equity $21,392
Average loans $224,774
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5 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03138The First National Bank Of Liberal1700 N Lincoln Ave, Liberal, KS 67901July 13, 1900Full Service Brick and Mortar
1204032Hugoton Branch502 South Jackson Street, Hugoton, KS 67951March 11, 1996Full Service Brick and Mortar
3204034Wal-Mart In-Store Branch250 East Tucker Road, Liberal, KS 67901May 20, 1998Full Service Brick and Mortar
5461678Express Bank South Branch930 South Kansas, Liberal, KS 67901December 13, 2006Full Service Brick and Mortar
6479084First National Bank Of Liberal - Exp23 W. 4th Street, Liberal, KS 67901June 23, 2008Full Service Brick and Mortar
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