FDIC Certificate #: 8338 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Tilden Bank (#15774) Federal Reserve ID: 138350 Date Established: January 01, 1933 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 5322 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: January 01, 1934 Last Structure Change Effective Date: August 12, 2009 Last Structure Change Process Date: September 10, 2009 Last Data Update: September 10, 2009 Data Source Date: April 05, 2012
Location
Address: 522 Main Street, Clearwater, NE 68726 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
Financial Summary
Total assets: $14.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
5Total employees (full-time equivalent)
$15,930Total assets
$711Cash and due from depository institutions
$250Interest-bearing balances
$0Securities
$3,220Federal funds sold & reverse repurchase agreements
$11,372Net loans & leases
$287Loan loss allowance
$0Trading account assets
$83Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$544All other assets
$15,930Total liabilities and capital
$14,322Total liabilities
$14,261Total deposits
$9,932Interest-bearing deposits
$14,261Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$61All other liabilities
$1,608Total equity capital
$1,608Total bank equity capital
$1,608Perpetual preferred stock
$0Common stock
$200Surplus
$600Undivided profits
Memoranda
$808Noncurrent loans and leases
$3,793Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$259Average Assets, year-to-date
$14,842Average Assets, quarterly
$4,075Volatile liabilities
$17,518Insider loans
$16,017FHLB advances
$2,319Loans and leases held for sale
$85Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,793Total unused commitments
$0Restructured Loans and leases
$160Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$1,109Total interest income
$420Total interest expense
$689Net interest income
$27Provision for loan and lease losses
$101Total noninterest income
$0Fiduciary activities
$95Service charges on deposit accounts
$0Trading account gains & fees
$6Additional noninterest income
$562Total noninterest expense
$276Salaries and employee benefits
$68Premises and equipment expense
$218Additional noninterest expense
$201Pre-tax net operating income
$0Securities gains (losses)
$7Applicable income taxes
$194Income before extraordinary items
$0Extraordinary gains - net
$194Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$17Sale, conversion, retirement of capital stock, net
$210Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.92%Yield on earning assets
2.62%Cost of funding earning assets
4.30%Net interest margin
0.63%Noninterest income to earning assets
3.51%Noninterest expense to earning assets
1.11%Net operating income to assets
1.11%Return on assets (ROA)
1.15%Pretax return on assets
11.45%Return on equity (ROE)
-0.94%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
158.82%Credit loss provision to net charge-offs
13.41%Efficiency ratio
71,139Assets per employee
3.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
108.25%Loss allowance to loans
2.46%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
79.74%Net loans and leases to core deposits
95.23%Equity capital to assets
10.09%Core capital (leverage) ratio
9.65%Tier 1 risk-based capital ratio
12.66%Total risk-based capital ratio
Memoranda
$14Average assets
$17,518Average earning assets
$1,694Average equity
$16,015Average loans
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