FDIC Certificate #: 12745 Status: Active Federal Reserve ID: 858452 Bank Holding Company (Regulatory Top Holder): Prague Company (RSSDID: 1050730, Location: Omaha, NE) Date Established: January 01, 1906 WWW:http://www.bankofprague1.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8078 Numeric code: 21 Regulator: FDIC 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: January 01, 1934 Last Structure Change Effective Date: November 25, 2008 Last Structure Change Process Date: November 25, 2008 Last Data Update: November 25, 2008 Data Source Date: April 05, 2012
Location
Address: 316 West Center Avenue, Prague, NE 68050 County: Saunders 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 Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420) Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540) CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
History of Changes
Change in Location
Financial Summary
Total assets: $21.1 mil Equity capital: $3.6 mil Deposits held in domestic offices: $17.5 mil Return on assets (ROA): 1.66% ($0.3 mil) Quarterly return on assets: 0.56% ($0.1 mil) Return on Equity (ROE): 9.95% ($0.4 mil) Quarterly return on equity: 3.35% ($0.1 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.70% ($359.2 mil) Quarterly Pretax return on assets: 0.62% ($131.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$21,130Total assets
$2,449Cash and due from depository institutions
$1,318Interest-bearing balances
$3,884Securities
$0Federal funds sold & reverse repurchase agreements
$14,488Net loans & leases
$89Loan loss allowance
$0Trading account assets
$8Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$21,130Life insurance assets
$301All other assets
$17,558Total liabilities and capital
$17,523Total liabilities
$15,080Total deposits
$17,523Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$35Subordinated debt
$3,572All other liabilities
$3,572Total equity capital
$3,572Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,050Surplus
$2,372Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$36Income earned, not collected on loans
$0Earning assets
$278Long-term assets (5+ years)
$19,690Average Assets, year-to-date
$899Average Assets, quarterly
$20,906Volatile liabilities
$21,244Insider loans
$16,351FHLB advances
$21,648Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,540Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,443Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$930Total interest income
$146Total interest expense
$784Net interest income
$40Provision for loan and lease losses
$306Total noninterest income
$0Fiduciary activities
$83Service charges on deposit accounts
$0Trading account gains & fees
$223Additional noninterest income
$695Total noninterest expense
$430Salaries and employee benefits
$111Premises and equipment expense
$154Additional noninterest expense
$355Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
$347Income before extraordinary items
$0Extraordinary gains - net
$347Net income attributable to bank
$0Net charge-offs
$347Cash dividends
$97Sale, conversion, retirement of capital stock, net
$221Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.74%Yield on earning assets
0.74%Cost of funding earning assets
4.00%Net interest margin
1.56%Noninterest income to earning assets
3.54%Noninterest expense to earning assets
1.66%Net operating income to assets
1.66%Return on assets (ROA)
1.70%Pretax return on assets
9.95%Return on equity (ROE)
3.61%Retained earnings to average equity (YTD only)
0.73%Net charge-offs to loans
41.24%Credit loss provision to net charge-offs
4.07%Efficiency ratio
63,761Assets per employee
3.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.69%Loss allowance to loans
0.61%Loss allowance to noncurrent loans
247.22%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.25%Net loans and leases to deposits
82.68%Net loans and leases to core deposits
84.45%Equity capital to assets
16.90%Core capital (leverage) ratio
16.35%Tier 1 risk-based capital ratio
21.65%Total risk-based capital ratio
Memoranda
$22Average assets
$20,906Average earning assets
$3,487Average equity
$19,618Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8078
Bank Of Prague
316 West Center Avenue, Prague, NE 68050
January 01, 1906
Full Service Brick and Mortar
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