FDIC Certificate #: 29093 Status: Active Federal Reserve ID: 809379 Bank Holding Company (Regulatory Top Holder): Ifb Holdings, Inc. (RSSDID: 2508144, Location: Chillicothe, MO) Date Established: August 01, 1934 WWW:http://www.investorsnationalbank.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) OTS Docket #: 2897 FDIC's unique #: 41927 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: October 31, 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: 522 Washington Street, Chillicothe, MO 64601 County: Livingston Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City 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: $67.0 mil Equity capital: $8.1 mil Deposits held in domestic offices: $54.2 mil Return on assets (ROA): 1.03% ($0.7 mil) Quarterly return on assets: 1.23% ($0.8 mil) Return on Equity (ROE): 8.87% ($0.7 mil) Quarterly return on equity: 10.18% ($0.8 mil) Net income: $0.7 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.15% ($770.2 mil) Quarterly Pretax return on assets: 1.36% ($910.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$66,972Total assets
$1,795Cash and due from depository institutions
$1,076Interest-bearing balances
$38,376Securities
$0Federal funds sold & reverse repurchase agreements
$24,733Net loans & leases
$618Loan loss allowance
$0Trading account assets
$724Bank premises and fixed assets
$60Other real estate owned
$0Goodwill and other intangibles
$66,972Life insurance assets
$1,284All other assets
$58,891Total liabilities and capital
$54,161Total liabilities
$47,289Total deposits
$54,161Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,240Trading liabilities
$0Other borrowed funds
$490Subordinated debt
$8,081All other liabilities
$8,081Total equity capital
$8,081Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$2,635Surplus
$5,196Undivided profits
Memoranda
$0Noncurrent loans and leases
$169Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$328Income earned, not collected on loans
$0Earning assets
$522Long-term assets (5+ years)
$64,185Average Assets, year-to-date
$24,337Average Assets, quarterly
$66,776Volatile liabilities
$66,856Insider loans
$27,798FHLB advances
$66,816Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,398Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,702Restructured Loans and leases
$238Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,654Total interest income
$502Total interest expense
$2,152Net interest income
$107Provision for loan and lease losses
$356Total noninterest income
$0Fiduciary activities
$193Service charges on deposit accounts
$0Trading account gains & fees
$163Additional noninterest income
$1,641Total noninterest expense
$911Salaries and employee benefits
$203Premises and equipment expense
$527Additional noninterest expense
$760Pre-tax net operating income
$11Securities gains (losses)
$85Applicable income taxes
$686Income before extraordinary items
$0Extraordinary gains - net
$686Net income attributable to bank
$0Net charge-offs
$686Cash dividends
$90Sale, conversion, retirement of capital stock, net
$675Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.18%Yield on earning assets
0.79%Cost of funding earning assets
3.39%Net interest margin
0.56%Noninterest income to earning assets
2.58%Noninterest expense to earning assets
1.01%Net operating income to assets
1.03%Return on assets (ROA)
1.15%Pretax return on assets
8.87%Return on equity (ROE)
0.14%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
118.89%Credit loss provision to net charge-offs
9.63%Efficiency ratio
65,431Assets per employee
3.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
98.40%Loss allowance to loans
2.44%Loss allowance to noncurrent loans
188.41%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
1.29%Net loans and leases to deposits
45.67%Net loans and leases to core deposits
54.36%Equity capital to assets
12.07%Core capital (leverage) ratio
11.07%Tier 1 risk-based capital ratio
26.61%Total risk-based capital ratio
Memoranda
$28Average assets
$66,776Average earning assets
$7,737Average equity
$63,512Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41927
Investors National Bank
522 Washington Street, Chillicothe, MO 64601
August 01, 1934
Full Service Brick and Mortar
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