FDIC Certificate #: 15266 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens State Bank (#5495) Federal Reserve ID: 505457 Date Established: July 09, 1935 WWW:http://www.bankofleigh.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 9613 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: August 21, 1935 Last Structure Change Effective Date: August 25, 2006 Last Structure Change Process Date: October 16, 2006 Last Data Update: October 16, 2006 Data Source Date: April 05, 2012
Location
Address: Main Street, Leigh, NE 68643 County: Colfax Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Omaha Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $22.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
7Total employees (full-time equivalent)
$22,253Total assets
$656Cash and due from depository institutions
$0Interest-bearing balances
$2,156Securities
$40Federal funds sold & reverse repurchase agreements
$18,563Net loans & leases
$133Loan loss allowance
$0Trading account assets
$171Bank premises and fixed assets
$53Other real estate owned
$143Goodwill and other intangibles
$0Life insurance assets
$471All other assets
$22,253Total liabilities and capital
$20,165Total liabilities
$20,080Total deposits
$17,889Interest-bearing deposits
$20,080Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$85All other liabilities
$2,088Total equity capital
$2,088Total bank equity capital
$2,088Perpetual preferred stock
$0Common stock
$150Surplus
$450Undivided profits
Memoranda
$1,488Noncurrent loans and leases
$4,654Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$91Earning assets
$0Long-term assets (5+ years)
$387Average Assets, year-to-date
$20,759Average Assets, quarterly
$1,130Volatile liabilities
$21,468Insider loans
$21,833FHLB advances
$2,359Loans and leases held for sale
$843Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,654Total unused commitments
$0Restructured Loans and leases
$133Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$1,349Total interest income
$424Total interest expense
$925Net interest income
$40Provision for loan and lease losses
$139Total noninterest income
$0Fiduciary activities
$124Service charges on deposit accounts
$0Trading account gains & fees
$15Additional noninterest income
$627Total noninterest expense
$364Salaries and employee benefits
$83Premises and equipment expense
$180Additional noninterest expense
$397Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$397Income before extraordinary items
$0Extraordinary gains - net
$397Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$48Sale, conversion, retirement of capital stock, net
$185Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.75%Yield on earning assets
2.12%Cost of funding earning assets
4.63%Net interest margin
0.70%Noninterest income to earning assets
3.14%Noninterest expense to earning assets
1.85%Net operating income to assets
1.85%Return on assets (ROA)
1.85%Pretax return on assets
19.99%Return on equity (ROE)
10.68%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
83.33%Credit loss provision to net charge-offs
9.10%Efficiency ratio
57,707Assets per employee
3.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.60%Loss allowance to loans
0.71%Loss allowance to noncurrent loans
146.15%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
0.49%Net loans and leases to deposits
92.45%Net loans and leases to core deposits
104.75%Equity capital to assets
9.38%Core capital (leverage) ratio
8.89%Tier 1 risk-based capital ratio
10.30%Total risk-based capital ratio
Memoranda
$11Average assets
$21,468Average earning assets
$1,986Average equity
$19,998Average loans
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