FDIC Certificate #: 9384 Status: Active Federal Reserve ID: 817356 Date Established: July 02, 1902 WWW:http://www.napoleonbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6028 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: August 12, 2010 Last Structure Change Process Date: August 12, 2010 Last Data Update: August 12, 2010 Data Source Date: April 05, 2012
Location
Address: 295 W 2nd Street, Napoleon, MO 64074 County: Lafayette 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 Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760) Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312) Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140) CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $36.5 mil Equity capital: $7.4 mil Deposits held in domestic offices: $29.0 mil Return on assets (ROA): 0.70% ($0.3 mil) Quarterly return on assets: 0.19% ($0.1 mil) Return on Equity (ROE): 3.39% ($0.2 mil) Quarterly return on equity: 0.91% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.85% ($310.0 mil) Quarterly Pretax return on assets: 0.31% ($113.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$36,472Total assets
$3,633Cash and due from depository institutions
$0Interest-bearing balances
$21,378Securities
$0Federal funds sold & reverse repurchase agreements
$10,991Net loans & leases
$188Loan loss allowance
$0Trading account assets
$149Bank premises and fixed assets
$78Other real estate owned
$0Goodwill and other intangibles
$36,472Life insurance assets
$243All other assets
$29,045Total liabilities and capital
$28,992Total liabilities
$23,368Total deposits
$28,992Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$53Subordinated debt
$7,427All other liabilities
$7,427Total equity capital
$7,427Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$280Surplus
$7,027Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$53Income earned, not collected on loans
$0Earning assets
$159Long-term assets (5+ years)
$32,369Average Assets, year-to-date
$2,869Average Assets, quarterly
$35,763Volatile liabilities
$36,711Insider loans
$15,756FHLB advances
$37,133Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,424Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,205Restructured Loans and leases
$1,300Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,196Total interest income
$60Total interest expense
$1,136Net interest income
$0Provision for loan and lease losses
$73Total noninterest income
$0Fiduciary activities
$47Service charges on deposit accounts
$0Trading account gains & fees
$26Additional noninterest income
$906Total noninterest expense
$623Salaries and employee benefits
$106Premises and equipment expense
$177Additional noninterest expense
$303Pre-tax net operating income
$0Securities gains (losses)
$54Applicable income taxes
$249Income before extraordinary items
$0Extraordinary gains - net
$249Net income attributable to bank
$0Net charge-offs
$249Cash dividends
$13Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.74%Yield on earning assets
0.19%Cost of funding earning assets
3.55%Net interest margin
0.23%Noninterest income to earning assets
2.83%Noninterest expense to earning assets
0.70%Net operating income to assets
0.70%Return on assets (ROA)
0.85%Pretax return on assets
3.39%Return on equity (ROE)
2.57%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
23.31%Efficiency ratio
74,938Assets per employee
4.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.10%Loss allowance to loans
1.68%Loss allowance to noncurrent loans
354.72%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
0.47%Net loans and leases to deposits
37.91%Net loans and leases to core deposits
38.25%Equity capital to assets
20.36%Core capital (leverage) ratio
19.99%Tier 1 risk-based capital ratio
47.12%Total risk-based capital ratio
Memoranda
$48Average assets
$35,763Average earning assets
$7,353Average equity
$32,010Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6028
Napoleon Bank
295 W 2nd Street, Napoleon, MO 64074
July 02, 1902
Full Service Brick and Mortar
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