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

The First National Bank of Spearville - Overview

  • General
  • FDIC Certificate #: 4774
    Status: Active
    Federal Reserve ID: 197254
    Bank Holding Company (Regulatory Top Holder): Spearville Bancshares, Inc. (RSSDID: 3391642, Location: Spearville, KS)
    Date Established: Febuary 18, 1908
    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 #: 3187
    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 01, 2010
    Last Structure Change Process Date: June 01, 2010
    Last Data Update: June 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 North Main St, Spearville, KS 67876
    County: Ford
    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
    Core Based Statistical Area (CBSA): Dodge City, KS (#19980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $30.0 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $24.7 mil
    Return on assets (ROA): 0.96% ($0.3 mil)
    Quarterly return on assets: 1.36% ($0.4 mil)
    Return on Equity (ROE): 5.81% ($0.3 mil)
    Quarterly return on equity: 7.90% ($0.4 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.50% ($449.7 mil)
    Quarterly Pretax return on assets: 2.31% ($692.6 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
  • 6Total employees (full-time equivalent)
  • $29,982Total assets
  • $3,103Cash and due from depository institutions
  • $2,315Interest-bearing balances
  • $6,358Securities
  • $1,300Federal funds sold & reverse repurchase agreements
  • $17,012Net loans & leases
  • $348Loan loss allowance
  • $0Trading account assets
  • $314Bank premises and fixed assets
  • $0Other real estate owned
  • $1,279Goodwill and other intangibles
  • $29,982Life insurance assets
  • $616All other assets
  • $24,897Total liabilities and capital
  • $24,702Total liabilities
  • $20,392Total deposits
  • $24,702Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $121Trading liabilities
  • $0Other borrowed funds
  • $74Subordinated debt
  • $5,085All other liabilities
  • $5,085Total equity capital
  • $5,085Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $4,562Surplus
  • $463Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $332Income earned, not collected on loans
  • $234Earning assets
  • $353Long-term assets (5+ years)
  • $26,985Average Assets, year-to-date
  • $999Average Assets, quarterly
  • $30,366Volatile liabilities
  • $29,622Insider loans
  • $18,223FHLB advances
  • $28,721Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,806Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,515Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,155Total interest income
  • $205Total interest expense
  • $950Net interest income
  • $0Provision for loan and lease losses
  • $328Total noninterest income
  • $0Fiduciary activities
  • $45Service charges on deposit accounts
  • $0Trading account gains & fees
  • $283Additional noninterest income
  • $822Total noninterest expense
  • $348Salaries and employee benefits
  • $178Premises and equipment expense
  • $296Additional noninterest expense
  • $456Pre-tax net operating income
  • -$2Securities gains (losses)
  • $161Applicable income taxes
  • $293Income before extraordinary items
  • $0Extraordinary gains - net
  • $293Net income attributable to bank
  • $0Net charge-offs
  • $293Cash dividends
  • -$68Sale, conversion, retirement of capital stock, net
  • $158Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.46%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 5.81%Return on equity (ROE)
  • 2.68%Retained earnings to average equity (YTD only)
  • -0.40%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,659Assets per employee
  • 5.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.92%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 104.82%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.91%Net loans and leases to deposits
  • 68.87%Net loans and leases to core deposits
  • 70.31%Equity capital to assets
  • 16.96%Core capital (leverage) ratio
  • 13.25%Tier 1 risk-based capital ratio
  • 20.89%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $30,366Average earning assets
  • $5,045Average equity
  • $27,476Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03187The First National Bank Of Spearvill401 North Main St, Spearville, KS 67876Febuary 18, 1908Full Service Brick and Mortar

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