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

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

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total 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
  • 56Total employees (full-time equivalent)
  • $241,262Total assets
  • $8,825Cash and due from depository institutions
  • $2,086Interest-bearing balances
  • $99,222Securities
  • $1,773Federal funds sold & reverse repurchase agreements
  • $121,006Net loans & leases
  • $1,933Loan loss allowance
  • $0Trading account assets
  • $6,813Bank premises and fixed assets
  • $278Other real estate owned
  • $0Goodwill and other intangibles
  • $241,262Life insurance assets
  • $3,345All other assets
  • $218,374Total liabilities and capital
  • $211,917Total liabilities
  • $171,215Total deposits
  • $211,917Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,258Trading liabilities
  • $0Other borrowed funds
  • $1,199Subordinated debt
  • $22,888All other liabilities
  • $22,888Total equity capital
  • $22,888Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $2,500Surplus
  • $19,388Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19Income earned, not collected on loans
  • $0Earning assets
  • $1,654Long-term assets (5+ years)
  • $224,087Average Assets, year-to-date
  • $102,729Average Assets, quarterly
  • $242,091Volatile liabilities
  • $242,407Insider loans
  • $147,713FHLB advances
  • $242,607Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,927Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,789Restructured Loans and leases
  • $3,367Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,965Total interest income
  • $1,638Total interest expense
  • $8,327Net interest income
  • $150Provision for loan and lease losses
  • $1,208Total noninterest income
  • $0Fiduciary activities
  • $836Service charges on deposit accounts
  • $0Trading account gains & fees
  • $372Additional noninterest income
  • $6,525Total noninterest expense
  • $3,677Salaries and employee benefits
  • $1,074Premises and equipment expense
  • $1,774Additional noninterest expense
  • $2,860Pre-tax net operating income
  • $71Securities gains (losses)
  • $605Applicable income taxes
  • $2,326Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,326Net income attributable to bank
  • $0Net charge-offs
  • $2,326Cash dividends
  • -$76Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 10.87%Return on equity (ROE)
  • 5.26%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • -197.37%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,432Assets per employee
  • 4.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.59%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 10173.68%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 57.10%Net loans and leases to core deposits
  • 68.77%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 8.63%Tier 1 risk-based capital ratio
  • 14.17%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $242,091Average earning assets
  • $21,392Average equity
  • $224,774Average loans

List of branches

  • 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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