FDIC Certificate #: 14096 Status: Active Federal Reserve ID: 1016558 Bank Holding Company (Regulatory Top Holder): Glaass Financial, Llc (RSSDID: 4195285, Location: Exeter, NE) Date Established: January 01, 1934 WWW:http://www.fnbexeter.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8809 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: March 21, 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: 139 South Exeter Avenue, Exeter, NE 68351 County: Fillmore 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $28.1 mil Equity capital: $3.6 mil Deposits held in domestic offices: $22.3 mil Return on assets (ROA): 0.69% ($0.2 mil) Quarterly return on assets: 0.44% ($0.1 mil) Return on Equity (ROE): 5.45% ($0.2 mil) Quarterly return on equity: 3.43% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.06% ($297.8 mil) Quarterly Pretax return on assets: 0.86% ($241.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$28,091Total assets
$3,138Cash and due from depository institutions
$1,709Interest-bearing balances
$4,608Securities
$0Federal funds sold & reverse repurchase agreements
$17,935Net loans & leases
$54Loan loss allowance
$0Trading account assets
$212Bank premises and fixed assets
$130Other real estate owned
$1,051Goodwill and other intangibles
$28,091Life insurance assets
$1,017All other assets
$24,498Total liabilities and capital
$22,308Total liabilities
$17,539Total deposits
$22,308Interest-bearing deposits
$95Deposits held in domestic offices
499.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,387Trading liabilities
$0Other borrowed funds
$304Subordinated debt
$3,593All other liabilities
$3,593Total equity capital
$3,593Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$3,442Surplus
$101Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$115Income earned, not collected on loans
$0Earning assets
$337Long-term assets (5+ years)
$24,252Average Assets, year-to-date
$3,480Average Assets, quarterly
$28,265Volatile liabilities
$27,868Insider loans
$19,511FHLB advances
$25,868Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,534Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,318Restructured Loans and leases
$771Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,286Total interest income
$205Total interest expense
$1,081Net interest income
$54Provision for loan and lease losses
$127Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$874Total noninterest expense
$389Salaries and employee benefits
$51Premises and equipment expense
$434Additional noninterest expense
$280Pre-tax net operating income
$20Securities gains (losses)
$105Applicable income taxes
$195Income before extraordinary items
$0Extraordinary gains - net
$195Net income attributable to bank
$0Net charge-offs
$195Cash dividends
$0Sale, conversion, retirement of capital stock, net
$80Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
0.82%Cost of funding earning assets
4.32%Net interest margin
0.51%Noninterest income to earning assets
3.49%Noninterest expense to earning assets
0.64%Net operating income to assets
0.69%Return on assets (ROA)
1.06%Pretax return on assets
5.45%Return on equity (ROE)
3.21%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,391Assets per employee
4.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.03%Loss allowance to loans
0.30%Loss allowance to noncurrent loans
46.96%Noncurrent assets plus other real estate owned to assets
0.87%Noncurrent loans to loans
0.64%Net loans and leases to deposits
80.40%Net loans and leases to core deposits
83.57%Equity capital to assets
12.79%Core capital (leverage) ratio
9.80%Tier 1 risk-based capital ratio
12.99%Total risk-based capital ratio
Memoranda
$13Average assets
$28,265Average earning assets
$3,581Average equity
$25,017Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8809
First National Bank In Exeter
139 South Exeter Avenue, Exeter, NE 68351
January 01, 1934
Full Service Brick and Mortar
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