FDIC Certificate #: 13798 Status: Active Federal Reserve ID: 844455 Bank Holding Company (Regulatory Top Holder): First National Bancshares Corporation Of Fredonia (RSSDID: 1064081, Location: Fredonia, KS) Date Established: September 16, 1871 WWW:http://www.fnbfredonia.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) FDIC's unique #: 8627 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 31, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: September 28, 2010 Last Data Update: September 28, 2010 Data Source Date: April 05, 2012
Location
Address: 730 Madison Street, Fredonia, KS 66736 County: Wilson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Wichita Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Corrections
Financial Summary
Total assets: $102.0 mil Equity capital: $14.7 mil Deposits held in domestic offices: $87.1 mil Return on assets (ROA): 1.33% ($1.4 mil) Quarterly return on assets: 0.61% ($0.6 mil) Return on Equity (ROE): 9.11% ($1.4 mil) Quarterly return on equity: 4.13% ($0.6 mil) Net income: $1.3 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.39% ($1,418.1 mil) Quarterly Pretax return on assets: 0.69% ($703.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$102,021Total assets
$2,188Cash and due from depository institutions
$1,463Interest-bearing balances
$63,092Securities
$3,000Federal funds sold & reverse repurchase agreements
$31,910Net loans & leases
$558Loan loss allowance
$0Trading account assets
$247Bank premises and fixed assets
$245Other real estate owned
$0Goodwill and other intangibles
$102,021Life insurance assets
$1,339All other assets
$87,294Total liabilities and capital
$87,057Total liabilities
$79,423Total deposits
$87,057Interest-bearing deposits
$76Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$237Subordinated debt
$14,727All other liabilities
$14,727Total equity capital
$14,727Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$300Surplus
$14,277Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$770Income earned, not collected on loans
$0Earning assets
$608Long-term assets (5+ years)
$99,465Average Assets, year-to-date
$25,626Average Assets, quarterly
$97,821Volatile liabilities
$100,262Insider loans
$48,203FHLB advances
$99,444Loans and leases held for sale
$566Unused loan commitments
$566Tier 1 (core) risk-based capital
$13,351Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,262Restructured Loans and leases
$214Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,906Total interest income
$1,037Total interest expense
$3,869Net interest income
$324Provision for loan and lease losses
$194Total noninterest income
$0Fiduciary activities
$195Service charges on deposit accounts
$0Trading account gains & fees
-$1Additional noninterest income
$2,418Total noninterest expense
$905Salaries and employee benefits
$194Premises and equipment expense
$1,319Additional noninterest expense
$1,321Pre-tax net operating income
$35Securities gains (losses)
$53Applicable income taxes
$1,303Income before extraordinary items
$0Extraordinary gains - net
$1,303Net income attributable to bank
$0Net charge-offs
$1,303Cash dividends
$267Sale, conversion, retirement of capital stock, net
$1,105Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
1.09%Cost of funding earning assets
4.08%Net interest margin
0.20%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
1.30%Net operating income to assets
1.33%Return on assets (ROA)
1.39%Pretax return on assets
9.11%Return on equity (ROE)
1.38%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
121.35%Credit loss provision to net charge-offs
6.16%Efficiency ratio
59,513Assets per employee
6.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.80%Loss allowance to loans
1.72%Loss allowance to noncurrent loans
72.47%Noncurrent assets plus other real estate owned to assets
0.99%Noncurrent loans to loans
2.37%Net loans and leases to deposits
36.65%Net loans and leases to core deposits
40.11%Equity capital to assets
14.44%Core capital (leverage) ratio
13.43%Tier 1 risk-based capital ratio
27.70%Total risk-based capital ratio
Memoranda
$29Average assets
$97,821Average earning assets
$14,307Average equity
$94,737Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8627
First National Bank In Fredonia
730 Madison Street, Fredonia, KS 66736
September 16, 1871
Full Service Brick and Mortar
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