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

This bank is inactive as of August 01, 1994

The First National Bank of Kensington in Kensington, Kansas (KS)
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The First National Bank of Kensington - Overview

General
FDIC Certificate #: 4706
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Farmers National Bank (#4611)
Federal Reserve ID: 1016950
Date Established: January 01, 1888
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 3129
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: August 01, 1994
Last Structure Change Process Date: August 15, 1994
Last Data Update: August 15, 1994
Data Source Date: April 05, 2012
Location
Address: Main And Ash, Kensington, KS 66951
County: Smith
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hays
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $11.3 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)
$8Total assets
$11,835Cash and due from depository institutions
$457Interest-bearing balances
$0Securities
$7,510Federal funds sold & reverse repurchase agreements
$1,700Net loans & leases
$1,988Loan loss allowance
$124Trading account assets
$0Bank premises and fixed assets
$1Other real estate owned
$12Goodwill and other intangibles
$167Life insurance assets
$0All other assets
$0Total liabilities and capital
$11,835Total liabilities
$10,149Total deposits
$10,081Interest-bearing deposits
$8,860Deposits held in domestic offices
10081.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$68Total equity capital
$68Total bank equity capital
$1,686Perpetual preferred stock
$0Common stock
$25Surplus
$150Undivided profits
Memoranda
$1,511Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$78Income earned, not collected on loans
$29Earning assets
$11,198Long-term assets (5+ years)
$4,447Average Assets, year-to-date
$11,695Average Assets, quarterly
$11,739Volatile liabilities
$300Insider loans
$60FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,686Total risk weighted assets
$2,989Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$828Total interest expense
$353Net interest income
$475Provision for loan and lease losses
$28Total noninterest income
$39Fiduciary activities
$0Service charges on deposit accounts
$35Trading account gains & fees
$0Additional noninterest income
$4Total noninterest expense
$398Salaries and employee benefits
$285Premises and equipment expense
$10Additional noninterest expense
$103Pre-tax net operating income
$88Securities gains (losses)
$6Applicable income taxes
$12Income before extraordinary items
$82Extraordinary gains - net
$27Net income attributable to bank
$109Net charge-offs
$69Cash dividends
$30Sale, 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
7.51%Cost of funding earning assets
3.20%Net interest margin
4.31%Noninterest income to earning assets
0.35%Noninterest expense to earning assets
3.61%Net operating income to assets
0.66%Return on assets (ROA)
0.93%Pretax return on assets
1.03%Return on equity (ROE)
6.54%Retained earnings to average equity (YTD only)
4.74%Net charge-offs to loans
2.90%Credit loss provision to net charge-offs
40.58%Efficiency ratio
77,432Assets per employee
1.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.52%Loss allowance to loans
5.87%Loss allowance to noncurrent loans
158.97%Noncurrent assets plus other real estate owned to assets
0.76%Noncurrent loans to loans
3.69%Net loans and leases to deposits
19.72%Net loans and leases to core deposits
20.33%Equity capital to assets
14.25%Core capital (leverage) ratio
14.23%Tier 1 risk-based capital ratio
56.42%Total risk-based capital ratio
Memoranda
$58Average assets
$11,695Average earning assets
$1,666Average equity
$11,031Average loans

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