FDIC Certificate #: 4652 Status: Active Federal Reserve ID: 789051 Date Established: July 23, 1925 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 #: 3090 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: December 02, 2008 Last Structure Change Process Date: December 08, 2008 Last Data Update: December 08, 2008 Data Source Date: April 05, 2012
Location
Address: 101 East First Street, Cunningham, KS 67035 County: Kingman 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
Change in Location
Financial Summary
Total assets: $29.5 mil Equity capital: $3.2 mil Deposits held in domestic offices: $25.4 mil Return on assets (ROA): 1.19% ($0.4 mil) Quarterly return on assets: 1.22% ($0.4 mil) Return on Equity (ROE): 11.18% ($0.3 mil) Quarterly return on equity: 10.84% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.23% ($362.9 mil) Quarterly Pretax return on assets: 1.28% ($377.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$29,501Total assets
$1,361Cash and due from depository institutions
$513Interest-bearing balances
$15,853Securities
$290Federal funds sold & reverse repurchase agreements
$10,707Net loans & leases
$113Loan loss allowance
$0Trading account assets
$92Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,501Life insurance assets
$1,198All other assets
$26,253Total liabilities and capital
$25,386Total liabilities
$16,470Total deposits
$25,386Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$800Trading liabilities
$0Other borrowed funds
$67Subordinated debt
$3,248All other liabilities
$3,248Total equity capital
$3,248Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$300Surplus
$2,848Undivided 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
$206Long-term assets (5+ years)
$27,363Average Assets, year-to-date
$14,020Average Assets, quarterly
$28,680Volatile liabilities
$28,793Insider loans
$15,776FHLB advances
$28,928Loans and leases held for sale
$694Unused loan commitments
$694Tier 1 (core) risk-based capital
$2,730Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,095Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,283Total interest income
$150Total interest expense
$1,133Net interest income
$0Provision for loan and lease losses
$112Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$39Additional noninterest income
$891Total noninterest expense
$541Salaries and employee benefits
$86Premises and equipment expense
$264Additional noninterest expense
$354Pre-tax net operating income
$0Securities gains (losses)
$14Applicable income taxes
$340Income before extraordinary items
$0Extraordinary gains - net
$340Net income attributable to bank
$0Net charge-offs
$340Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
0.56%Cost of funding earning assets
4.25%Net interest margin
0.42%Noninterest income to earning assets
3.35%Noninterest expense to earning assets
1.19%Net operating income to assets
1.19%Return on assets (ROA)
1.23%Pretax return on assets
11.18%Return on equity (ROE)
6.25%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
71,566Assets per employee
3.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
44.12%Loss allowance to loans
1.04%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
42.18%Net loans and leases to core deposits
43.73%Equity capital to assets
11.01%Core capital (leverage) ratio
9.44%Tier 1 risk-based capital ratio
17.30%Total risk-based capital ratio
Memoranda
$18Average assets
$28,680Average earning assets
$3,041Average equity
$26,634Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3090
The First National Bank Of Cunningha
101 East First Street, Cunningham, KS 67035
July 23, 1925
Full Service Brick and Mortar
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