First National Bank and Trust in city_name, state_name - Detailed Financial Reports, Location

First National Bank and Trust in Phillipsburg, Kansas (KS)
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First National Bank and Trust routing number info

First National Bank and Trust - Overview

General
FDIC Certificate #: 4756
Status: Active
Federal Reserve ID: 183958
Bank Holding Company (Regulatory Top Holder): Golden Plains Bankshares, Inc. (RSSDID: 1066432, Location: Phillipsburg, KS)
Date Established: January 01, 1884
WWW: http://www.agbank.com
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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 3172
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: 225 State Street, Phillipsburg, KS 67661
County: Phillips
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: $176.8 mil
Equity capital: $26.7 mil
Deposits held in domestic offices: $148.3 mil
Return on assets (ROA): 1.32% ($2.3 mil)
Quarterly return on assets: 0.50% ($0.9 mil)
Return on Equity (ROE): 8.60% ($2.3 mil)
Quarterly return on equity: 3.27% ($0.9 mil)
Net income: $2.2 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.38% ($2,439.2 mil)
Quarterly Pretax return on assets: 0.51% ($901.5 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
51Total employees (full-time equivalent)
$176,755Total assets
$3,635Cash and due from depository institutions
$472Interest-bearing balances
$80,366Securities
$2,986Federal funds sold & reverse repurchase agreements
$80,370Net loans & leases
$1,762Loan loss allowance
$0Trading account assets
$1,845Bank premises and fixed assets
$594Other real estate owned
$0Goodwill and other intangibles
$176,755Life insurance assets
$6,959All other assets
$150,085Total liabilities and capital
$148,317Total liabilities
$120,655Total deposits
$148,317Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$838Trading liabilities
$0Other borrowed funds
$930Subordinated debt
$26,670All other liabilities
$26,670Total equity capital
$26,670Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$1,750Surplus
$24,620Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$94Income earned, not collected on loans
$0Earning assets
$1,511Long-term assets (5+ years)
$164,194Average Assets, year-to-date
$48,222Average Assets, quarterly
$166,543Volatile liabilities
$174,073Insider loans
$122,290FHLB advances
$171,381Loans and leases held for sale
$3,721Unused loan commitments
$3,721Tier 1 (core) risk-based capital
$24,115Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,285Restructured Loans and leases
$860Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,437Total interest income
$1,277Total interest expense
$6,160Net interest income
$0Provision for loan and lease losses
$1,168Total noninterest income
$395Fiduciary activities
$416Service charges on deposit accounts
$0Trading account gains & fees
$357Additional noninterest income
$5,035Total noninterest expense
$3,295Salaries and employee benefits
$400Premises and equipment expense
$1,340Additional noninterest expense
$2,293Pre-tax net operating income
-$3Securities gains (losses)
$93Applicable income taxes
$2,197Income before extraordinary items
$0Extraordinary gains - net
$2,197Net income attributable to bank
$0Net charge-offs
$2,197Cash dividends
$62Sale, conversion, retirement of capital stock, net
$754Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.79%Yield on earning assets
0.82%Cost of funding earning assets
3.97%Net interest margin
0.75%Noninterest income to earning assets
3.24%Noninterest expense to earning assets
1.32%Net operating income to assets
1.32%Return on assets (ROA)
1.38%Pretax return on assets
8.60%Return on equity (ROE)
5.65%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
36.98%Efficiency ratio
68,709Assets per employee
3.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.32%Loss allowance to loans
2.15%Loss allowance to noncurrent loans
1874.47%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.11%Net loans and leases to deposits
54.19%Net loans and leases to core deposits
56.43%Equity capital to assets
15.09%Core capital (leverage) ratio
14.07%Tier 1 risk-based capital ratio
19.72%Total risk-based capital ratio
Memoranda
$21Average assets
$166,543Average earning assets
$25,538Average equity
$155,338Average 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
$76,052Managed Assets
1Number of Accounts
$67,955Personal trust and agency accounts
$11,470Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$18,705Corporate trust and agency accounts
$216Investment management agency accounts
$32,679Other fiduciary accounts
$4,847Fiduciary accounts held in foreign offices
$38Non-managed Assets
550Number of Accounts
$0Personal trust and agency accounts
$18,705Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$8,097Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$7,555Fiduciary accounts held in foreign offices

List of branches

5 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3172	First National Bank And Trust	225 State Street, Phillipsburg, KS 67661	January 01, 1884	Full Service Brick and Mortar
1	204070	Convenience Bank Branch	607 Second Street, Phillipsburg, KS 67661	September 15, 1983	Limited Service Facility
2	11405	Long Island Branch	300 Washington Avenue, Long Island, KS 67647	April 22, 1887	Full Service Brick and Mortar
3	3141	West Main Branch	201 West Main, Logan, KS 67646	January 01, 1880	Full Service Brick and Mortar
4	510310	Smith County Bank Branch	206 West Hwy 36, Smith Center, KS 66967	July 12, 2010	Full Service Brick and Mortar

First National Bank and Trust in Phillipsburg, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First National Bank and Trust in Phillipsburg, Kansas (KS)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First National Bank and Trust in Phillipsburg, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches