FDIC Certificate #: 5413 Status: Active Federal Reserve ID: 274753 Bank Holding Company (Regulatory Top Holder): City National Bancshares, Inc. (RSSDID: 1065716, Location: Greeley, NE) Date Established: May 01, 1930 WWW:http://www.cnbgreeley.com 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) FDIC's unique #: 3659 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 02, 2010 Last Structure Change Process Date: June 02, 2010 Last Data Update: June 02, 2010 Data Source Date: April 05, 2012
Location
Address: 123 South Galway St, Greeley, NE 68842 County: Greeley Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Island Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $19.7 mil Equity capital: $1.9 mil Deposits held in domestic offices: $16.4 mil Return on assets (ROA): 0.29% ($0.1 mil) Quarterly return on assets: 0.72% ($0.1 mil) Return on Equity (ROE): 3.02% ($0.1 mil) Quarterly return on equity: 7.56% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.20% ($39.3 mil) Quarterly Pretax return on assets: 0.36% ($70.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$19,668Total assets
$5,708Cash and due from depository institutions
$4,456Interest-bearing balances
$4,797Securities
$0Federal funds sold & reverse repurchase agreements
$8,502Net loans & leases
$135Loan loss allowance
$0Trading account assets
$131Bank premises and fixed assets
$87Other real estate owned
$0Goodwill and other intangibles
$19,668Life insurance assets
$443All other assets
$17,761Total liabilities and capital
$16,443Total liabilities
$12,467Total deposits
$16,443Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,275Trading liabilities
$0Other borrowed funds
$43Subordinated debt
$1,907All other liabilities
$1,907Total equity capital
$1,907Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$1,650Surplus
$207Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$102Income earned, not collected on loans
$0Earning assets
$175Long-term assets (5+ years)
$17,755Average Assets, year-to-date
$3,696Average Assets, quarterly
$19,747Volatile liabilities
$19,871Insider loans
$9,937FHLB advances
$19,918Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,890Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,529Restructured Loans and leases
$151Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$700Total interest income
$141Total interest expense
$559Net interest income
$6Provision for loan and lease losses
$84Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$12Additional noninterest income
$608Total noninterest expense
$380Salaries and employee benefits
$47Premises and equipment expense
$181Additional noninterest expense
$29Pre-tax net operating income
$10Securities gains (losses)
-$18Applicable income taxes
$57Income before extraordinary items
$0Extraordinary gains - net
$57Net income attributable to bank
$0Net charge-offs
$57Cash dividends
$16Sale, conversion, retirement of capital stock, net
$25Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.80%Yield on earning assets
0.77%Cost of funding earning assets
3.04%Net interest margin
0.46%Noninterest income to earning assets
3.30%Noninterest expense to earning assets
0.24%Net operating income to assets
0.29%Return on assets (ROA)
0.20%Pretax return on assets
3.02%Return on equity (ROE)
1.70%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
37.50%Credit loss provision to net charge-offs
2.19%Efficiency ratio
94,557Assets per employee
3.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.86%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
132.35%Noncurrent assets plus other real estate owned to assets
0.96%Noncurrent loans to loans
1.18%Net loans and leases to deposits
51.71%Net loans and leases to core deposits
51.71%Equity capital to assets
9.70%Core capital (leverage) ratio
9.49%Tier 1 risk-based capital ratio
19.02%Total risk-based capital ratio
Memoranda
$20Average assets
$19,747Average earning assets
$1,887Average equity
$18,397Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3659
Cnb Community Bank
123 South Galway St, Greeley, NE 68842
May 01, 1930
Full Service Brick and Mortar
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