First National Bank of Elkhart in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Elkhart in Elkhart, Kansas (KS)
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First National Bank of Elkhart routing number info

First National Bank of Elkhart - Overview

General
FDIC Certificate #: 25851
Status: Active
Federal Reserve ID: 833758
Bank Holding Company (Regulatory Top Holder): Kansas Bank Corporation (RSSDID: 1050075, Location: Johnson, KS)
Date Established: January 02, 1985
WWW: http://www.fnbelkhart.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: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 32087
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 02, 1985
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: 601 Morton Street, Elkhart, KS 67950
County: Morton
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
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $76.4 mil
Equity capital: $8.2 mil
Deposits held in domestic offices: $68.0 mil
Return on assets (ROA): 1.26% ($1.0 mil)
Quarterly return on assets: 2.13% ($1.6 mil)
Return on Equity (ROE): 11.96% ($1.0 mil)
Quarterly return on equity: 19.64% ($1.6 mil)
Net income: $0.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.48% ($1,131.4 mil)
Quarterly Pretax return on assets: 1.68% ($1,284.3 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
19Total employees (full-time equivalent)
$76,445Total assets
$7,367Cash and due from depository institutions
$4,754Interest-bearing balances
$24,971Securities
$178Federal funds sold & reverse repurchase agreements
$41,813Net loans & leases
$691Loan loss allowance
$0Trading account assets
$541Bank premises and fixed assets
$500Other real estate owned
$0Goodwill and other intangibles
$76,445Life insurance assets
$1,075All other assets
$68,244Total liabilities and capital
$67,980Total liabilities
$55,908Total deposits
$67,980Interest-bearing deposits
$74Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$264Subordinated debt
$8,201All other liabilities
$8,201Total equity capital
$8,201Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,000Surplus
$6,201Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$795Income earned, not collected on loans
$688Earning assets
$635Long-term assets (5+ years)
$71,716Average Assets, year-to-date
$21,378Average Assets, quarterly
$74,012Volatile liabilities
$74,585Insider loans
$39,805FHLB advances
$71,114Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,824Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,374Restructured Loans and leases
$8,490Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,047Total interest income
$443Total interest expense
$2,604Net interest income
$250Provision for loan and lease losses
$577Total noninterest income
$0Fiduciary activities
$375Service charges on deposit accounts
$0Trading account gains & fees
$202Additional noninterest income
$1,838Total noninterest expense
$1,087Salaries and employee benefits
$118Premises and equipment expense
$633Additional noninterest expense
$1,093Pre-tax net operating income
$0Securities gains (losses)
$164Applicable income taxes
$929Income before extraordinary items
$0Extraordinary gains - net
$929Net income attributable to bank
$0Net charge-offs
$929Cash dividends
$262Sale, conversion, retirement of capital stock, net
$500Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.41%Yield on earning assets
0.64%Cost of funding earning assets
3.77%Net interest margin
0.84%Noninterest income to earning assets
2.66%Noninterest expense to earning assets
1.26%Net operating income to assets
1.26%Return on assets (ROA)
1.48%Pretax return on assets
11.96%Return on equity (ROE)
5.52%Retained earnings to average equity (YTD only)
0.63%Net charge-offs to loans
95.42%Credit loss provision to net charge-offs
5.13%Efficiency ratio
57,781Assets per employee
4.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.82%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
86.92%Noncurrent assets plus other real estate owned to assets
1.69%Noncurrent loans to loans
1.87%Net loans and leases to deposits
61.51%Net loans and leases to core deposits
76.60%Equity capital to assets
10.73%Core capital (leverage) ratio
11.00%Tier 1 risk-based capital ratio
19.66%Total risk-based capital ratio
Memoranda
$21Average assets
$74,012Average earning assets
$7,769Average equity
$69,047Average loans

List of branches

2 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	32087	First National Bank Of Elkhart	601 Morton Street, Elkhart, KS 67950	January 02, 1985	Full Service Brick and Mortar
2	258264	Rolla Branch	212 Washington, Rolla, KS 67954	September 17, 1990	Full Service Brick and Mortar

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

First National Bank of Elkhart - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

First National Bank of Elkhart - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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