FDIC Certificate #: 4668 Status: Active Federal Reserve ID: 923350 Bank Holding Company (Regulatory Top Holder): First Frankfort Bancshares, Inc. (RSSDID: 1064595, Location: Frankfort, KS) Date Established: March 02, 1921 WWW:http://www.fnbfrankfortks.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) OTS Docket #: 14465 FDIC's unique #: 3102 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: 124 North Kansas Avenue, Frankfort, KS 66427 County: Marshall Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City 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: $34.2 mil Equity capital: $3.9 mil Deposits held in domestic offices: $28.8 mil Return on assets (ROA): 1.80% ($0.6 mil) Quarterly return on assets: 2.67% ($0.9 mil) Return on Equity (ROE): 16.88% ($0.7 mil) Quarterly return on equity: 22.68% ($0.9 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.84% ($629.3 mil) Quarterly Pretax return on assets: 2.77% ($947.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$34,201Total assets
$2,163Cash and due from depository institutions
$818Interest-bearing balances
$16,114Securities
$5Federal funds sold & reverse repurchase agreements
$14,273Net loans & leases
$223Loan loss allowance
$0Trading account assets
$101Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$34,201Life insurance assets
$1,545All other assets
$30,331Total liabilities and capital
$28,772Total liabilities
$21,223Total deposits
$28,772Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,254Trading liabilities
$0Other borrowed funds
$305Subordinated debt
$3,870All other liabilities
$3,870Total equity capital
$3,870Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$1,264Surplus
$2,556Undivided 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
$244Long-term assets (5+ years)
$31,210Average Assets, year-to-date
$15,583Average Assets, quarterly
$33,354Volatile liabilities
$33,744Insider loans
$17,202FHLB advances
$34,366Loans and leases held for sale
$856Unused loan commitments
$856Tier 1 (core) risk-based capital
$3,335Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,001Restructured Loans and leases
$660Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,431Total interest income
$286Total interest expense
$1,145Net interest income
$0Provision for loan and lease losses
$144Total noninterest income
$0Fiduciary activities
$65Service charges on deposit accounts
$0Trading account gains & fees
$79Additional noninterest income
$885Total noninterest expense
$456Salaries and employee benefits
$130Premises and equipment expense
$299Additional noninterest expense
$404Pre-tax net operating income
$211Securities gains (losses)
$14Applicable income taxes
$601Income before extraordinary items
$0Extraordinary gains - net
$601Net income attributable to bank
$0Net charge-offs
$601Cash dividends
-$24Sale, conversion, retirement of capital stock, net
$375Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.72%Yield on earning assets
0.94%Cost of funding earning assets
3.78%Net interest margin
0.48%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
1.18%Net operating income to assets
1.80%Return on assets (ROA)
1.84%Pretax return on assets
16.88%Return on equity (ROE)
6.35%Retained earnings to average equity (YTD only)
-0.18%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,658Assets per employee
4.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.40%Loss allowance to loans
1.54%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
49.61%Net loans and leases to core deposits
51.34%Equity capital to assets
11.32%Core capital (leverage) ratio
9.70%Tier 1 risk-based capital ratio
19.39%Total risk-based capital ratio
Memoranda
$21Average assets
$33,354Average earning assets
$3,560Average equity
$30,288Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3102
First National Bank In Frankfort
124 North Kansas Avenue, Frankfort, KS 66427
March 02, 1921
Full Service Brick and Mortar
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