FDIC Certificate #: 14415 Status: Active Federal Reserve ID: 178244 Bank Holding Company (Regulatory Top Holder): Bellevue State Bank Employee Stock Ownership Plan (RSSDID: 2307310, Location: Bellevue, IA) Date Established: January 01, 1934 WWW:http://www.bellevuestatebank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9006 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: May 31, 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: 200 South 2nd Street, Bellevue, IA 52031 County: Jackson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Cedar Rapids Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $79.7 mil Equity capital: $8.7 mil Deposits held in domestic offices: $70.4 mil Return on assets (ROA): 1.88% ($1.5 mil) Quarterly return on assets: 1.57% ($1.3 mil) Return on Equity (ROE): 17.35% ($1.6 mil) Quarterly return on equity: 13.95% ($1.3 mil) Net income: $1.5 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.98% ($1,578.1 mil) Quarterly Pretax return on assets: 1.65% ($1,315.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$79,701Total assets
$1,950Cash and due from depository institutions
$0Interest-bearing balances
$18,746Securities
$2,436Federal funds sold & reverse repurchase agreements
$53,474Net loans & leases
$724Loan loss allowance
$0Trading account assets
$926Bank premises and fixed assets
$192Other real estate owned
$0Goodwill and other intangibles
$79,701Life insurance assets
$1,977All other assets
$70,971Total liabilities and capital
$70,378Total liabilities
$60,756Total deposits
$70,378Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$593Subordinated debt
$8,730All other liabilities
$8,730Total equity capital
$8,730Total bank equity capital
$0Perpetual preferred stock
$137Common stock
$1,350Surplus
$7,243Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$133Income earned, not collected on loans
$0Earning assets
$820Long-term assets (5+ years)
$74,656Average Assets, year-to-date
$10,926Average Assets, quarterly
$77,114Volatile liabilities
$78,111Insider loans
$70,017FHLB advances
$79,577Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,346Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,381Restructured Loans and leases
$510Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,635Total interest income
$744Total interest expense
$2,891Net interest income
$175Provision for loan and lease losses
$340Total noninterest income
$0Fiduciary activities
$88Service charges on deposit accounts
$0Trading account gains & fees
$252Additional noninterest income
$1,578Total noninterest expense
$989Salaries and employee benefits
$141Premises and equipment expense
$448Additional noninterest expense
$1,478Pre-tax net operating income
$50Securities gains (losses)
$75Applicable income taxes
$1,453Income before extraordinary items
$0Extraordinary gains - net
$1,453Net income attributable to bank
$0Net charge-offs
$1,453Cash dividends
$70Sale, conversion, retirement of capital stock, net
$614Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
1.02%Cost of funding earning assets
3.97%Net interest margin
0.47%Noninterest income to earning assets
2.17%Noninterest expense to earning assets
1.82%Net operating income to assets
1.88%Return on assets (ROA)
1.98%Pretax return on assets
17.35%Return on equity (ROE)
10.02%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
250.00%Credit loss provision to net charge-offs
23.61%Efficiency ratio
48,839Assets per employee
6.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.26%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
544.36%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
0.25%Net loans and leases to deposits
75.98%Net loans and leases to core deposits
77.92%Equity capital to assets
10.95%Core capital (leverage) ratio
10.49%Tier 1 risk-based capital ratio
11.92%Total risk-based capital ratio
Memoranda
$13Average assets
$77,114Average earning assets
$8,374Average equity
$72,801Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9006
Bellevue State Bank
200 South 2nd Street, Bellevue, IA 52031
January 01, 1934
Full Service Brick and Mortar
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