FDIC Certificate #: 4770 Status: Active Federal Reserve ID: 195157 Date Established: March 13, 1874 WWW:http://www.fnbofsedan.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3184 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 101 West Main Street, Sedan, KS 67361 County: Chautauqua 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
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $51.9 mil Equity capital: $5.9 mil Deposits held in domestic offices: $45.9 mil Return on assets (ROA): 0.90% ($0.5 mil) Quarterly return on assets: -0.53% (-$0.3 mil) Return on Equity (ROE): 8.38% ($0.5 mil) Quarterly return on equity: -4.58% (-$0.3 mil) Net income: $0.5 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.94% ($488.2 mil) Quarterly Pretax return on assets: -0.55% (-$285.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$51,937Total assets
$1,417Cash and due from depository institutions
$500Interest-bearing balances
$26,955Securities
$3,062Federal funds sold & reverse repurchase agreements
$19,710Net loans & leases
$397Loan loss allowance
$0Trading account assets
$247Bank premises and fixed assets
$45Other real estate owned
$0Goodwill and other intangibles
$51,937Life insurance assets
$501All other assets
$46,035Total liabilities and capital
$45,941Total liabilities
$36,469Total deposits
$45,941Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$94Subordinated debt
$5,902All other liabilities
$5,902Total equity capital
$5,902Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$400Surplus
$5,102Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$295Income earned, not collected on loans
$0Earning assets
$322Long-term assets (5+ years)
$50,227Average Assets, year-to-date
$13,636Average Assets, quarterly
$52,718Volatile liabilities
$51,932Insider loans
$26,594FHLB advances
$51,128Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,319Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$911Restructured Loans and leases
$153Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,062Total interest income
$437Total interest expense
$1,625Net interest income
$11Provision for loan and lease losses
$245Total noninterest income
$0Fiduciary activities
$212Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$1,531Total noninterest expense
$771Salaries and employee benefits
$236Premises and equipment expense
$524Additional noninterest expense
$328Pre-tax net operating income
$170Securities gains (losses)
$21Applicable income taxes
$477Income before extraordinary items
$0Extraordinary gains - net
$477Net income attributable to bank
$0Net charge-offs
$477Cash dividends
$14Sale, conversion, retirement of capital stock, net
$120Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.06%Yield on earning assets
0.86%Cost of funding earning assets
3.20%Net interest margin
0.48%Noninterest income to earning assets
3.01%Noninterest expense to earning assets
0.60%Net operating income to assets
0.90%Return on assets (ROA)
0.94%Pretax return on assets
8.38%Return on equity (ROE)
6.27%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
78.57%Credit loss provision to net charge-offs
24.21%Efficiency ratio
81,872Assets per employee
3.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.16%Loss allowance to loans
1.97%Loss allowance to noncurrent loans
134.58%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
1.47%Net loans and leases to deposits
42.90%Net loans and leases to core deposits
46.56%Equity capital to assets
11.36%Core capital (leverage) ratio
10.40%Tier 1 risk-based capital ratio
20.00%Total risk-based capital ratio
Memoranda
$21Average assets
$52,718Average earning assets
$5,695Average equity
$50,817Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3184
The First National Bank Of Sedan
101 West Main Street, Sedan, KS 67361
March 13, 1874
Full Service Brick and Mortar
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