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

The First National Bank of Smith Center - Overview

  • General
  • FDIC Certificate #: 4772
    Status: Active
    Federal Reserve ID: 417251
    Bank Holding Company (Regulatory Top Holder): Smith Center Bancshares, Inc. (RSSDID: 1063628, Location: Smith Center, KS)
    Date Established: January 01, 1886
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3185
    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: 133 South Main Street, Smith Center, KS 66967
    County: Smith
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    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: $47.3 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $42.3 mil
    Return on assets (ROA): 0.73% ($0.3 mil)
    Quarterly return on assets: 0.48% ($0.2 mil)
    Return on Equity (ROE): 6.82% ($0.3 mil)
    Quarterly return on equity: 4.47% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.73% ($345.2 mil)
    Quarterly Pretax return on assets: 0.48% ($227.0 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
  • 11Total employees (full-time equivalent)
  • $47,289Total assets
  • $10,444Cash and due from depository institutions
  • $8,241Interest-bearing balances
  • $17,085Securities
  • $2,375Federal funds sold & reverse repurchase agreements
  • $15,778Net loans & leases
  • $187Loan loss allowance
  • $0Trading account assets
  • $231Bank premises and fixed assets
  • $259Other real estate owned
  • $0Goodwill and other intangibles
  • $47,289Life insurance assets
  • $1,117All other assets
  • $42,354Total liabilities and capital
  • $42,309Total liabilities
  • $30,341Total deposits
  • $42,309Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $45Subordinated debt
  • $4,935All other liabilities
  • $4,935Total equity capital
  • $4,935Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,150Surplus
  • $3,685Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $359Long-term assets (5+ years)
  • $43,479Average Assets, year-to-date
  • $10,901Average Assets, quarterly
  • $44,103Volatile liabilities
  • $45,596Insider loans
  • $23,376FHLB advances
  • $44,710Loans and leases held for sale
  • $522Unused loan commitments
  • $522Tier 1 (core) risk-based capital
  • $4,693Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,071Restructured Loans and leases
  • $104Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,628Total interest income
  • $255Total interest expense
  • $1,373Net interest income
  • $0Provision for loan and lease losses
  • $151Total noninterest income
  • $0Fiduciary activities
  • $74Service charges on deposit accounts
  • $0Trading account gains & fees
  • $77Additional noninterest income
  • $1,171Total noninterest expense
  • $569Salaries and employee benefits
  • $187Premises and equipment expense
  • $415Additional noninterest expense
  • $353Pre-tax net operating income
  • -$29Securities gains (losses)
  • $0Applicable income taxes
  • $324Income before extraordinary items
  • $0Extraordinary gains - net
  • $324Net income attributable to bank
  • $0Net charge-offs
  • $324Cash dividends
  • -$20Sale, conversion, retirement of capital stock, net
  • $25Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 6.82%Return on equity (ROE)
  • 6.29%Retained earnings to average equity (YTD only)
  • -0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,837Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.72%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 37.29%Net loans and leases to core deposits
  • 37.62%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.50%Tier 1 risk-based capital ratio
  • 20.08%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $44,103Average earning assets
  • $4,750Average equity
  • $40,911Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03185The First National Bank Of Smith Cen133 South Main Street, Smith Center, KS 66967January 01, 1886Full Service Brick and Mortar
    1204093Motor Bank Branch202 South Main Street, Smith Center, KS 66967April 18, 1962Limited Service Facility

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