FDIC Certificate #: 57210 Status: Active Federal Reserve ID: 3037874 Bank Holding Company (Regulatory Top Holder): Douglas County Bancshares, Inc. (RSSDID: 3039430, Location: Alexandria, MN) Date Established: September 04, 2001 WWW:http://www.nnbnet.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 #: 359514 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: Commercial Lending Specialization Date of Deposit Insurance: September 04, 2001 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: 803 North Nokomis Ne, Alexandria, MN 56308 County: Douglas Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Fargo Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Alexandria, MN (#10820) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $45.8 mil Equity capital: $4.7 mil Deposits held in domestic offices: $41.0 mil Return on assets (ROA): -0.19% (-$0.1 mil) Quarterly return on assets: 0.86% ($0.4 mil) Return on Equity (ROE): -2.19% (-$0.1 mil) Quarterly return on equity: 8.48% ($0.4 mil) Net income: -$0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: -0.19% (-$87.0 mil) Quarterly Pretax return on assets: 0.86% ($393.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$45,780Total assets
$6,875Cash and due from depository institutions
$5,645Interest-bearing balances
$9,911Securities
$340Federal funds sold & reverse repurchase agreements
$26,512Net loans & leases
$863Loan loss allowance
$0Trading account assets
$390Bank premises and fixed assets
$1,061Other real estate owned
$0Goodwill and other intangibles
$45,780Life insurance assets
$691All other assets
$41,123Total liabilities and capital
$40,971Total liabilities
$34,866Total deposits
$40,971Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$152Subordinated debt
$4,657All other liabilities
$4,657Total equity capital
$4,657Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$6,375Surplus
$-1,818Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,049Income earned, not collected on loans
$0Earning assets
$202Long-term assets (5+ years)
$42,408Average Assets, year-to-date
$10,019Average Assets, quarterly
$47,217Volatile liabilities
$45,657Insider loans
$31,557FHLB advances
$46,344Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,587Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,439Restructured Loans and leases
$679Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,073Total interest income
$528Total interest expense
$1,545Net interest income
$81Provision for loan and lease losses
$224Total noninterest income
$0Fiduciary activities
$78Service charges on deposit accounts
$0Trading account gains & fees
$146Additional noninterest income
$1,778Total noninterest expense
$820Salaries and employee benefits
$276Premises and equipment expense
$682Additional noninterest expense
-$90Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$90Income before extraordinary items
$0Extraordinary gains - net
-$90Net income attributable to bank
$0Net charge-offs
-$90Cash dividends
$260Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.76%Yield on earning assets
1.21%Cost of funding earning assets
3.55%Net interest margin
0.51%Noninterest income to earning assets
4.08%Noninterest expense to earning assets
-0.19%Net operating income to assets
-0.19%Return on assets (ROA)
-0.19%Pretax return on assets
-2.19%Return on equity (ROE)
-2.19%Retained earnings to average equity (YTD only)
0.83%Net charge-offs to loans
31.15%Credit loss provision to net charge-offs
-0.03%Efficiency ratio
100,509Assets per employee
3.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.15%Loss allowance to noncurrent loans
42.12%Noncurrent assets plus other real estate owned to assets
6.79%Noncurrent loans to loans
7.48%Net loans and leases to deposits
64.71%Net loans and leases to core deposits
65.63%Equity capital to assets
10.17%Core capital (leverage) ratio
9.90%Tier 1 risk-based capital ratio
14.54%Total risk-based capital ratio
Memoranda
$16Average assets
$47,217Average earning assets
$4,101Average equity
$43,549Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
359514
Neighborhood National Bank
803 North Nokomis Ne, Alexandria, MN 56308
September 04, 2001
Full Service Brick and Mortar
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