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


The First National Bank of Wamego - Overview

  • General
  • FDIC Certificate #: 4791
    Status: Active
    Federal Reserve ID: 552059
    Bank Holding Company (Regulatory Top Holder): Wamego Bancshares, Inc. (RSSDID: 1060524, Location: Wamego, KS)
    Date Established: January 01, 1875
    WWW: http://www.fnbofwamego.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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15583
    FDIC's unique #: 3201
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 806 West Fifth Street, Wamego, KS 66547
    County: Pottawatomie
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Kansas City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Manhattan, KS (#31740)
    CBSA Metro Statistical Area: Manhattan, KS (#31740)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $158.8 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $127.5 mil
    Return on assets (ROA): 1.04% ($1.7 mil)
    Quarterly return on assets: 1.64% ($2.6 mil)
    Return on Equity (ROE): 11.89% ($1.8 mil)
    Quarterly return on equity: 18.03% ($2.7 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.08% ($1,715.5 mil)
    Quarterly Pretax return on assets: 1.70% ($2,700.2 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
  • 38Total employees (full-time equivalent)
  • $158,838Total assets
  • $3,256Cash and due from depository institutions
  • $664Interest-bearing balances
  • $43,316Securities
  • $331Federal funds sold & reverse repurchase agreements
  • $101,930Net loans & leases
  • $1,972Loan loss allowance
  • $0Trading account assets
  • $2,770Bank premises and fixed assets
  • $1,631Other real estate owned
  • $0Goodwill and other intangibles
  • $158,838Life insurance assets
  • $5,604All other assets
  • $144,159Total liabilities and capital
  • $127,457Total liabilities
  • $104,262Total deposits
  • $127,457Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,480Trading liabilities
  • $0Other borrowed funds
  • $222Subordinated debt
  • $14,679All other liabilities
  • $14,679Total equity capital
  • $14,679Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,000Surplus
  • $13,279Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,204Income earned, not collected on loans
  • $0Earning assets
  • $813Long-term assets (5+ years)
  • $146,241Average Assets, year-to-date
  • $53,263Average Assets, quarterly
  • $156,129Volatile liabilities
  • $158,351Insider loans
  • $114,612FHLB advances
  • $158,671Loans and leases held for sale
  • $2,601Unused loan commitments
  • $1,747Tier 1 (core) risk-based capital
  • $13,979Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $854Total unused commitments
  • $13,060Restructured Loans and leases
  • $1,128Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,199Total interest income
  • $1,471Total interest expense
  • $5,728Net interest income
  • $276Provision for loan and lease losses
  • $640Total noninterest income
  • $0Fiduciary activities
  • $248Service charges on deposit accounts
  • $0Trading account gains & fees
  • $392Additional noninterest income
  • $4,461Total noninterest expense
  • $1,910Salaries and employee benefits
  • $380Premises and equipment expense
  • $2,171Additional noninterest expense
  • $1,631Pre-tax net operating income
  • $48Securities gains (losses)
  • $57Applicable income taxes
  • $1,622Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,622Net income attributable to bank
  • $0Net charge-offs
  • $1,622Cash dividends
  • -$62Sale, conversion, retirement of capital stock, net
  • $38Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 11.89%Return on equity (ROE)
  • 11.61%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • -445.16%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 70,053Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.34%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 89.47%Noncurrent assets plus other real estate owned to assets
  • 2.41%Noncurrent loans to loans
  • 2.12%Net loans and leases to deposits
  • 79.97%Net loans and leases to core deposits
  • 94.36%Equity capital to assets
  • 9.24%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 12.20%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $156,129Average earning assets
  • $13,641Average equity
  • $143,761Average loans

List of branches

  • 4 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03201The First National Bank Of Wamego806 West Fifth Street, Wamego, KS 66547January 01, 1875Full Service Brick and Mortar
    1204111Manhattan Branch7860 East Highway 24, Manhattan, KS 66502May 01, 1991Full Service Brick and Mortar
    2204112Alma Branch408 Missouri, Alma, KS 66401Febuary 22, 1999Full Service Brick and Mortar
    3424349Highway 24 Branch1009 Lincoln, Suite B, Wamego, KS 66547December 08, 2003Limited Service Facility
1
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