FDIC Certificate #: 5097 Status: Active Federal Reserve ID: 147857 Bank Holding Company (Regulatory Top Holder): Fnb Bancshares Inc. (RSSDID: 1143548, Location: Blue Earth, MN) Date Established: January 01, 1869 WWW:http://www.firstbankblueearth.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) OTS Docket #: 13046 FDIC's unique #: 3406 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 15, 2007 Last Structure Change Process Date: December 27, 2007 Last Data Update: December 27, 2007 Data Source Date: April 05, 2012
Location
Address: 306 South Main Street, Blue Earth, MN 56013 County: Faribault Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Mankato Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $162.0 mil Equity capital: $17.5 mil Deposits held in domestic offices: $141.9 mil Return on assets (ROA): 1.73% ($2.8 mil) Quarterly return on assets: 1.95% ($3.2 mil) Return on Equity (ROE): 16.66% ($2.8 mil) Quarterly return on equity: 18.04% ($3.1 mil) Net income: $2.8 mil Quarterly Net income: $0.8 mil Pretax return on assets: 1.73% ($2,803.0 mil) Quarterly Pretax return on assets: 1.95% ($3,159.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
29Total employees (full-time equivalent)
$162,026Total assets
$6,479Cash and due from depository institutions
$3,468Interest-bearing balances
$31,104Securities
$0Federal funds sold & reverse repurchase agreements
$115,576Net loans & leases
$2,063Loan loss allowance
$0Trading account assets
$1,312Bank premises and fixed assets
$1,711Other real estate owned
$0Goodwill and other intangibles
$162,026Life insurance assets
$5,844All other assets
$144,535Total liabilities and capital
$141,913Total liabilities
$115,579Total deposits
$141,913Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,500Trading liabilities
$0Other borrowed funds
$1,122Subordinated debt
$17,491All other liabilities
$17,491Total equity capital
$17,491Total bank equity capital
$0Perpetual preferred stock
$750Common stock
$10,250Surplus
$6,491Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,182Income earned, not collected on loans
$0Earning assets
$1,572Long-term assets (5+ years)
$150,148Average Assets, year-to-date
$34,660Average Assets, quarterly
$159,500Volatile liabilities
$160,433Insider loans
$117,928FHLB advances
$162,149Loans and leases held for sale
$1,971Unused loan commitments
$1,971Tier 1 (core) risk-based capital
$16,789Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,004Restructured Loans and leases
$9,794Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,360Total interest income
$1,551Total interest expense
$5,809Net interest income
$495Provision for loan and lease losses
$809Total noninterest income
$0Fiduciary activities
$134Service charges on deposit accounts
$0Trading account gains & fees
$675Additional noninterest income
$3,535Total noninterest expense
$1,632Salaries and employee benefits
$414Premises and equipment expense
$1,489Additional noninterest expense
$2,588Pre-tax net operating income
$166Securities gains (losses)
$2Applicable income taxes
$2,752Income before extraordinary items
$0Extraordinary gains - net
$2,752Net income attributable to bank
$0Net charge-offs
$2,752Cash dividends
$591Sale, conversion, retirement of capital stock, net
$1,401Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
1.05%Cost of funding earning assets
3.93%Net interest margin
0.55%Noninterest income to earning assets
2.39%Noninterest expense to earning assets
1.62%Net operating income to assets
1.73%Return on assets (ROA)
1.73%Pretax return on assets
16.66%Return on equity (ROE)
8.18%Retained earnings to average equity (YTD only)
0.51%Net charge-offs to loans
83.76%Credit loss provision to net charge-offs
5.22%Efficiency ratio
52,856Assets per employee
5.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.91%Loss allowance to loans
1.75%Loss allowance to noncurrent loans
174.53%Noncurrent assets plus other real estate owned to assets
1.79%Noncurrent loans to loans
1.00%Net loans and leases to deposits
81.44%Net loans and leases to core deposits
93.34%Equity capital to assets
10.80%Core capital (leverage) ratio
10.35%Tier 1 risk-based capital ratio
14.24%Total risk-based capital ratio
Memoranda
$16Average assets
$159,500Average earning assets
$16,520Average equity
$147,832Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3406
First Bank Blue Earth
306 South Main Street, Blue Earth, MN 56013
January 01, 1869
Full Service Brick and Mortar
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