The First National Bank of Liberal in city_name, state_name

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

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
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
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

No	ID	Name	Address	Established	Service Type
0	3138	The First National Bank Of Liberal	1700 N Lincoln Ave, Liberal, KS 67901	July 13, 1900	Full Service Brick and Mortar
1	204032	Hugoton Branch	502 South Jackson Street, Hugoton, KS 67951	March 11, 1996	Full Service Brick and Mortar
3	204034	Wal-Mart In-Store Branch	250 East Tucker Road, Liberal, KS 67901	May 20, 1998	Full Service Brick and Mortar
5	461678	Express Bank South Branch	930 South Kansas, Liberal, KS 67901	December 13, 2006	Full Service Brick and Mortar
6	479084	First National Bank Of Liberal - Exp	23 W. 4th Street, Liberal, KS 67901	June 23, 2008	Full Service Brick and Mortar

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

The First National Bank of Liberal - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

The First National Bank of Liberal - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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