FDIC Certificate #: 57910 Status: Active Federal Reserve ID: 3285246 Bank Holding Company (Regulatory Top Holder): Fnsb Bancorporation Corp. (RSSDID: 3285219, Location: Nashua, IA) Date Established: Febuary 21, 2005 WWW:http://www.fsb-nashua.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 #: 430301 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: Febuary 21, 2005 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: 401 Main Street, Nashua, IA 50658 County: Chickasaw 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: $45.1 mil Equity capital: $4.4 mil Deposits held in domestic offices: $37.8 mil Return on assets (ROA): 1.18% ($0.5 mil) Quarterly return on assets: 1.74% ($0.8 mil) Return on Equity (ROE): 12.28% ($0.5 mil) Quarterly return on equity: 17.77% ($0.7 mil) Net income: $0.5 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.77% ($797.7 mil) Quarterly Pretax return on assets: 2.66% ($1,198.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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)
$45,069Total assets
$4,958Cash and due from depository institutions
$4,106Interest-bearing balances
$10,863Securities
$1,058Federal funds sold & reverse repurchase agreements
$26,667Net loans & leases
$331Loan loss allowance
$0Trading account assets
$671Bank premises and fixed assets
$120Other real estate owned
$67Goodwill and other intangibles
$45,069Life insurance assets
$665All other assets
$40,664Total liabilities and capital
$37,792Total liabilities
$34,287Total deposits
$37,792Interest-bearing deposits
$91Deposits held in domestic offices
403.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,332Trading liabilities
$0Other borrowed funds
$137Subordinated debt
$4,405All other liabilities
$4,405Total equity capital
$4,405Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$2,700Surplus
$1,405Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$332Long-term assets (5+ years)
$42,694Average Assets, year-to-date
$4,527Average Assets, quarterly
$43,851Volatile liabilities
$44,591Insider loans
$30,599FHLB advances
$45,749Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,235Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,329Restructured Loans and leases
$2,164Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,753Total interest income
$635Total interest expense
$1,118Net interest income
-$70Provision for loan and lease losses
$324Total noninterest income
$0Fiduciary activities
$80Service charges on deposit accounts
$0Trading account gains & fees
$244Additional noninterest income
$734Total noninterest expense
$373Salaries and employee benefits
$112Premises and equipment expense
$249Additional noninterest expense
$778Pre-tax net operating income
$0Securities gains (losses)
$259Applicable income taxes
$519Income before extraordinary items
$0Extraordinary gains - net
$519Net income attributable to bank
$0Net charge-offs
$519Cash dividends
-$88Sale, conversion, retirement of capital stock, net
$200Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.26%Yield on earning assets
1.54%Cost of funding earning assets
2.72%Net interest margin
0.79%Noninterest income to earning assets
1.78%Noninterest expense to earning assets
1.18%Net operating income to assets
1.18%Return on assets (ROA)
1.77%Pretax return on assets
12.28%Return on equity (ROE)
7.55%Retained earnings to average equity (YTD only)
-0.35%Net charge-offs to loans
79.55%Credit loss provision to net charge-offs
0.00%Efficiency ratio
49,376Assets per employee
7.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.54%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.00%Net loans and leases to deposits
70.56%Net loans and leases to core deposits
79.27%Equity capital to assets
9.77%Core capital (leverage) ratio
9.26%Tier 1 risk-based capital ratio
13.84%Total risk-based capital ratio
Memoranda
$15Average assets
$43,851Average earning assets
$4,226Average equity
$41,176Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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