United National Bank in Natoma, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

United National Bank - Overview

  • General
  • FDIC Certificate #: 4735
    Status: Active
    Federal Reserve ID: 276159
    Bank Holding Company (Regulatory Top Holder): Republic Bancshares, Inc. (RSSDID: 2411628, Location: Russell, KS)
    Date Established: January 01, 1909
    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 #: 3153
    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: 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: 702 North Second Street, Natoma, KS 67651
    County: Osborne
    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: $107.2 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $96.8 mil
    Return on assets (ROA): 0.68% ($0.7 mil)
    Quarterly return on assets: 0.31% ($0.3 mil)
    Return on Equity (ROE): 7.54% ($0.7 mil)
    Quarterly return on equity: 3.42% ($0.3 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.73% ($782.7 mil)
    Quarterly Pretax return on assets: 0.37% ($396.7 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
  • 20Total employees (full-time equivalent)
  • $107,221Total assets
  • $2,267Cash and due from depository institutions
  • $0Interest-bearing balances
  • $33,973Securities
  • $30,725Federal funds sold & reverse repurchase agreements
  • $38,753Net loans & leases
  • $679Loan loss allowance
  • $0Trading account assets
  • $605Bank premises and fixed assets
  • $16Other real estate owned
  • $0Goodwill and other intangibles
  • $107,221Life insurance assets
  • $882All other assets
  • $97,736Total liabilities and capital
  • $96,824Total liabilities
  • $73,715Total deposits
  • $96,824Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $912Subordinated debt
  • $9,485All other liabilities
  • $9,485Total equity capital
  • $9,485Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $250Surplus
  • $9,135Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $710Income earned, not collected on loans
  • $0Earning assets
  • $616Long-term assets (5+ years)
  • $103,451Average Assets, year-to-date
  • $23,078Average Assets, quarterly
  • $100,349Volatile liabilities
  • $105,113Insider loans
  • $55,492FHLB advances
  • $104,649Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,413Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,212Restructured Loans and leases
  • $56Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,299Total interest income
  • $540Total interest expense
  • $2,759Net interest income
  • $72Provision for loan and lease losses
  • $179Total noninterest income
  • $18Fiduciary activities
  • $114Service charges on deposit accounts
  • $0Trading account gains & fees
  • $47Additional noninterest income
  • $2,134Total noninterest expense
  • $1,224Salaries and employee benefits
  • $144Premises and equipment expense
  • $766Additional noninterest expense
  • $732Pre-tax net operating income
  • $0Securities gains (losses)
  • $47Applicable income taxes
  • $685Income before extraordinary items
  • $0Extraordinary gains - net
  • $685Net income attributable to bank
  • $0Net charge-offs
  • $685Cash dividends
  • -$19Sale, conversion, retirement of capital stock, net
  • $275Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.39%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 2.84%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.20%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 7.54%Return on equity (ROE)
  • 4.52%Retained earnings to average equity (YTD only)
  • -0.05%Net charge-offs to loans
  • -378.95%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 72,634Assets per employee
  • 5.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.15%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 95.63%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 40.02%Net loans and leases to core deposits
  • 41.20%Equity capital to assets
  • 8.85%Core capital (leverage) ratio
  • 8.04%Tier 1 risk-based capital ratio
  • 15.16%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $100,349Average earning assets
  • $9,080Average equity
  • $97,209Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,163Managed Assets
  • 1Number of Accounts
  • $3,162Personal trust and agency accounts
  • $3,162Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 13Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03153United National Bank702 North Second Street, Natoma, KS 67651January 01, 1909Full Service Brick and Mortar
    1204049Russell Branch436 North Main, Russell, KS 67665October 21, 1991Full Service Brick and Mortar

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