FDIC Certificate #: 16154 Status: Active Federal Reserve ID: 485054 Bank Holding Company (Regulatory Top Holder): Antelope Bancshares, Inc. (RSSDID: 2510183, Location: Elgin, NE) Date Established: August 27, 1935 WWW:http://www.bankofelgin.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 16154 FDIC's unique #: 10366 Numeric code: 13 Regulator: FED 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: May 11, 1944 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: 101 North 2nd Street, Elgin, NE 68636 County: Antelope Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $50.8 mil Equity capital: $4.4 mil Deposits held in domestic offices: $41.5 mil Return on assets (ROA): 1.30% ($0.7 mil) Quarterly return on assets: 1.45% ($0.7 mil) Return on Equity (ROE): 14.23% ($0.6 mil) Quarterly return on equity: 15.54% ($0.6 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.34% ($680.5 mil) Quarterly Pretax return on assets: 1.50% ($761.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$50,784Total assets
$7,557Cash and due from depository institutions
$5,118Interest-bearing balances
$4,994Securities
$1,771Federal funds sold & reverse repurchase agreements
$33,953Net loans & leases
$366Loan loss allowance
$0Trading account assets
$98Bank premises and fixed assets
$137Other real estate owned
$583Goodwill and other intangibles
$50,784Life insurance assets
$1,691All other assets
$46,363Total liabilities and capital
$41,504Total liabilities
$31,411Total deposits
$41,504Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,516Trading liabilities
$0Other borrowed funds
$343Subordinated debt
$4,421All other liabilities
$4,421Total equity capital
$4,421Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$2,700Surplus
$1,421Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$41Income earned, not collected on loans
$0Earning assets
$429Long-term assets (5+ years)
$45,836Average Assets, year-to-date
$7,346Average Assets, quarterly
$47,434Volatile liabilities
$48,418Insider loans
$36,154FHLB advances
$45,452Loans and leases held for sale
$620Unused loan commitments
$620Tier 1 (core) risk-based capital
$3,711Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,125Restructured Loans and leases
$1,125Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,928Total interest income
$380Total interest expense
$1,548Net interest income
$0Provision for loan and lease losses
$194Total noninterest income
$0Fiduciary activities
$48Service charges on deposit accounts
$0Trading account gains & fees
$146Additional noninterest income
$1,108Total noninterest expense
$700Salaries and employee benefits
$24Premises and equipment expense
$384Additional noninterest expense
$634Pre-tax net operating income
$0Securities gains (losses)
$18Applicable income taxes
$616Income before extraordinary items
$0Extraordinary gains - net
$616Net income attributable to bank
$0Net charge-offs
$616Cash dividends
$45Sale, conversion, retirement of capital stock, net
$330Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.39%Yield on earning assets
0.87%Cost of funding earning assets
3.53%Net interest margin
0.44%Noninterest income to earning assets
2.52%Noninterest expense to earning assets
1.30%Net operating income to assets
1.30%Return on assets (ROA)
1.34%Pretax return on assets
14.23%Return on equity (ROE)
6.60%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
14.09%Efficiency ratio
63,605Assets per employee
5.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.57%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
892.68%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.12%Net loans and leases to deposits
81.81%Net loans and leases to core deposits
81.81%Equity capital to assets
8.71%Core capital (leverage) ratio
8.16%Tier 1 risk-based capital ratio
10.26%Total risk-based capital ratio
Memoranda
$11Average assets
$47,434Average earning assets
$4,330Average equity
$43,898Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10366
Bank Of Elgin
101 North 2nd Street, Elgin, NE 68636
August 27, 1935
Full Service Brick and Mortar
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