First National Bank in Harper in Harper, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 24, 1994

First National Bank in Harper in Harper, Kansas (KS)
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First National Bank in Harper - Overview

General
FDIC Certificate #: 4682
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: American Bank (#26248)
Federal Reserve ID: 674353
Date Established: July 01, 1882
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 3112
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 24, 1994
Last Structure Change Process Date: November 15, 1994
Last Data Update: November 15, 1994
Data Source Date: April 05, 2012
Location
Address: Main And Central Streets, Harper, KS 67058
County: Harper
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
Financial Summary
Total assets: $32.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$32,223Cash and due from depository institutions
$840Interest-bearing balances
$0Securities
$6,211Federal funds sold & reverse repurchase agreements
$850Net loans & leases
$23,138Loan loss allowance
$239Trading account assets
$0Bank premises and fixed assets
$720Other real estate owned
$30Goodwill and other intangibles
$404Life insurance assets
$30All other assets
$0Total liabilities and capital
$32,223Total liabilities
$29,039Total deposits
$28,921Interest-bearing deposits
$26,428Deposits held in domestic offices
28921.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$118Total equity capital
$118Total bank equity capital
$3,184Perpetual preferred stock
$0Common stock
$600Surplus
$600Undivided profits
Memoranda
$1,984Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$458Income earned, not collected on loans
$388Earning assets
$30,199Long-term assets (5+ years)
$2,597Average Assets, year-to-date
$33,571Average Assets, quarterly
$32,437Volatile liabilities
$1,888Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,571Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,154Total risk weighted assets
$24,121Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,583Total interest expense
$1,011Net interest income
$1,572Provision for loan and lease losses
$62Total noninterest income
$193Fiduciary activities
$0Service charges on deposit accounts
$97Trading account gains & fees
$0Additional noninterest income
$96Total noninterest expense
$1,151Salaries and employee benefits
$483Premises and equipment expense
$138Additional noninterest expense
$530Pre-tax net operating income
$552Securities gains (losses)
$0Applicable income taxes
$200Income before extraordinary items
$352Extraordinary gains - net
$0Net income attributable to bank
$352Net charge-offs
$100Cash dividends
$400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.27%Cost of funding earning assets
3.24%Net interest margin
5.03%Noninterest income to earning assets
0.62%Noninterest expense to earning assets
3.68%Net operating income to assets
1.05%Return on assets (ROA)
1.05%Pretax return on assets
1.64%Return on equity (ROE)
10.91%Retained earnings to average equity (YTD only)
-1.49%Net charge-offs to loans
0.44%Credit loss provision to net charge-offs
62.00%Efficiency ratio
64,986Assets per employee
2.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
113.64%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
52.18%Noncurrent assets plus other real estate owned to assets
1.51%Noncurrent loans to loans
1.96%Net loans and leases to deposits
80.00%Net loans and leases to core deposits
85.59%Equity capital to assets
9.88%Core capital (leverage) ratio
9.74%Tier 1 risk-based capital ratio
13.08%Total risk-based capital ratio
Memoranda
$14Average assets
$33,571Average earning assets
$3,226Average equity
$31,237Average loans

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