The First National Bank of Johnson Reports – 563457

The First National Bank of Johnson Financial Reports

Quarter Ended: 2024-06-30

The First National Bank of Johnson is a Commercial bank, national (federal) charter, Fed member, and supervised by the Office of the Comptroller of the Currency (OCC) located in Johnson, NE. Established on 05/06/1906, the bank is regulated by the OCC and has 2 domestic offices. It operates in the N/A.

The bank has 10 employees and holds $94,763k in total assets. With a focus on community banking, the bank has been serving its customers since 05/06/1906.

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The First National Bank of Johnson Institution Profile

Established Date 05/06/1906 Institution Class Commercial bank, national (federal) charter, Fed member, and supervised by the Office of the Comptroller of the Currency (OCC)
Primary Regulator OCC Number of Domestic Offices 2
Number of Foreign Offices 0 Number of US Offices 0
Number of Employees 10 Directly owned by another bank (CERT) No
Community Bank Yes ZIP 68378
Ownership Type Not Mutual City Johnson
State Alpha code NE State and County Number 31127
Subchapter S Corporations No Trust Powers Trust Powers Not Known
Federal Reserve ID Number 10 Federal Reserve ID Number Description KANSAS CITY
Office of The Comptroller District: WESTERN DISTRICT Office of Thrift Supervision Region West
Last Structure Change Effective Date 06/30/2024 Date of Deposit Insurance 01/01/1934
Primary Insurance Agency DIF

Institution Profile Overview

Delve into the foundational details of The First National Bank of Johnson with our “Institution Profile” table. The 05/06/1906 marks the bank’s inception, providing historical context. Categorized as a Commercial bank, national (federal) charter, Fed member, and supervised by the Office of the Comptroller of the Currency (OCC), the bank operates under the oversight of OCC, ensuring compliance and regulatory adherence.

2 domestic offices reflect the bank’s physical footprint, while insights into ownership type, trust powers, and regulatory affiliations contribute to understanding its operational structure. Details such as Johnson, NE, and 68378 provide geographic context. Explore these attributes to gain a holistic view of The First National Bank of Johnson in the financial landscape.

The First National Bank of Johnson Financials

(USD, in thousands)

Total Assets $94,763 Total Liabilities $79,662
Total Equity Capital $15,101 Total Deposits $73,881
Net Loans and Leases $29,272 Total Interest Income $542
Total Noninterest Income $69 Total Interest Expense $186
Total Noninterest Expense $456 Tier 1 Risk-Based Capital Ratio 0.00%
Net Loans and Leases to Core Deposits 40.66% Return on Assets -0.13%
Return on Equity -0.82% Efficiency Ratio 107.29%

Financial Performance Overview

Gain a comprehensive perspective on The First National Bank of Johnson’s financial landscape through our “Financials” table. The bank boasts total assets of $94,763k, showcasing its substantial scale and influential market presence. A nuanced breakdown reveals insights into the bank’s financial structure and stability, with total liabilities standing at $79,662k and total equity capital at $15,101k.

Delve into key operational metrics, including total deposits of $73,881k, net loans and leases at $29k, and a meticulous analysis of income and expense components. Explore vital ratios such as the Tier 1 Risk-Based Capital Ratio, standing at 0, and Return on Assets at -0.13. These metrics provide valuable insights into the bank’s risk management strategies and overall profitability.

This detailed financial overview is designed to enhance your understanding of The First National Bank of Johnson’s performance and competitive positioning within the financial industry.

The First National Bank of Johnson Additional Financial Information

(USD, in thousands)

Earnings Coverage of Net Loan Charge-Offs(x) $0 Net Loans and Leases to Core Deposits 40.66%
Tier 1 Risk-Based Capital Ratio 0.00% Securities Gains (Losses) $0
Goodwill and Other Intangibles N/A Cost of Funding Earning Assets 0.85%
Yield on Earning Assets 2.47% Total Interest Income $542
Applicable Income Taxes $0 Loss Allowance to Loans and Leases 0.80%
Net Loans and Leases $29,272 Loss Allowance to Noncurrent Loans and Leases 0.00%
Noncurrent Loans to Loans 0.00% Net Income Attributable to Bank and Noncontrolling Interests -$31
Net Interest Income $356 Net Interest Margin 1.62%
Net Operating Income to Assets -0.13% Noninterest Income to Average Assets 0.29%
Total Noninterest Income $69 Noninterest Expense to Average Assets 1.94%
Total Noninterest Expense $456 Net Charge-Offs to Loans and Leases 0.00%
All Other Assets $3,807 Other Real Estate Owned $0
Other borrowed funds $278 Pre-tax Net Operating Income -$31
Pretax Return on Assets -0.13% Return on Assets -0.13%
Retained Earnings to Average Equity (YTD only) -1.11%

Insights into Financial Metrics

Enhance your understanding of The First National Bank of Johnson‘s financial standing through our Additional Financial Information table. Explore key metrics such as Net Loans and Leases: $29,272k and Net Interest Income $356k to gain valuable insights into the bank’s core operations and revenue streams. Assess the Tier 1 Risk-Based Capital Ratio: 0 for in-depth insights into capital adequacy and risk management strategies.

Delve into the intricacies of Net Charge-Offs to Loans and Leases: 0 to evaluate the bank’s asset quality and risk mitigation efforts. Examine the composition of income through Total Noninterest Income: $69k and evaluate operational efficiency using metrics like Efficiency Ratio: 107.29. This nuanced financial overview empowers a comprehensive analysis of The First National Bank of Johnson‘s strategic financial position and performance in the industry.

Frequently Asked Questions (FAQs)

What is the asset size of The First National Bank of Johnson?

The asset size of The First National Bank of Johnson is approximately $94,763k, reflecting the bank’s scale and market presence.

How does the loan-to-deposit ratio of The First National Bank of Johnson compare to industry benchmarks?

The loan-to-deposit ratio is a crucial measure of the bank’s financial health. For The First National Bank of Johnson, this ratio stands at 39.62% (please calculate and adjust this logic based on real data retrieval), compared to industry averages typically ranging from 80% to 90%.

What is the capital adequacy ratio for The First National Bank of Johnson?

The Tier 1 Risk-Based Capital Ratio, a key indicator of the bank’s financial stability, is 0.

What is the net interest margin of The First National Bank of Johnson, and how has it trended over the past year?

The current net interest margin is 1.62. Historical trends would require a more detailed analysis over the past quarters, which can be provided upon request.

What is the percentage of non-performing loans on The First National Bank of Johnson’s balance sheet?

The percentage of non-performing loans is an important metric indicating asset quality. For The First National Bank of Johnson, this stands at 0.

Are there any recent regulatory changes that could impact The First National Bank of Johnson’s operations?

Regulatory environments are dynamic. Specific recent changes would require further detailed scanning of regulatory updates impacting The First National Bank of Johnson. For tailored insights, please consult our expert or access our detailed reports.

What is the history of The First National Bank of Johnson?

The First National Bank of Johnson was established on 05/06/1906. It has been serving the community for several decades, continuously adapting to the changing financial landscape. For a detailed history, please refer to the bank’s about page.

Is The First National Bank of Johnson FDIC insured?

Yes, The First National Bank of Johnson is FDIC insured, ensuring that deposits are protected up to the applicable limits. This underlines the bank’s commitment to maintaining customer trust and financial security.

What is the routing number for The First National Bank of Johnson in OK?

The routing number for The First National Bank of Johnson in Oklahoma is not available. It’s recommended to verify with the bank directly for transactions.

How big is The First National Bank of Johnson?

The First National Bank of Johnson is a significant player in the financial sector with total assets valued at $94,763k and a network of 2 domestic offices.

Is The First National Bank of Johnson a local bank?

The First National Bank of Johnson is often considered a local bank due to its strong community focus and local market presence, despite having a broader operational reach. This combination allows it to serve local communities effectively while benefiting from larger-scale operations.

This table provides key financial information about The First National Bank of Johnson. Get more data about The First National Bank of Johnson on Visbanking Report Portal.