FDIC Certificate #: 16468 Status: Active Federal Reserve ID: 47153 Bank Holding Company (Regulatory Top Holder): Loup Valley Bancshares, Inc. (RSSDID: 1063637, Location: North Loup, NE) Date Established: July 01, 1946 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 #: 10632 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: July 31, 1946 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: 404 W 1st St, North Loup, NE 68859 County: Valley 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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $22.0 mil Equity capital: $1.8 mil Deposits held in domestic offices: $20.1 mil Return on assets (ROA): 0.11% ($0.0 mil) Quarterly return on assets: 0.02% ($0.0 mil) Return on Equity (ROE): 1.33% ($0.0 mil) Quarterly return on equity: 0.22% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.17% ($37.4 mil) Quarterly Pretax return on assets: 0.15% ($33.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$21,971Total assets
$4,537Cash and due from depository institutions
$3,308Interest-bearing balances
$3,894Securities
$3,000Federal funds sold & reverse repurchase agreements
$10,202Net loans & leases
$222Loan loss allowance
$0Trading account assets
$75Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$21,971Life insurance assets
$263All other assets
$20,159Total liabilities and capital
$20,067Total liabilities
$17,367Total deposits
$20,067Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$92Subordinated debt
$1,812All other liabilities
$1,812Total equity capital
$1,812Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$725Surplus
$887Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$225Income earned, not collected on loans
$100Earning assets
$224Long-term assets (5+ years)
$20,404Average Assets, year-to-date
$999Average Assets, quarterly
$21,148Volatile liabilities
$21,693Insider loans
$17,462FHLB advances
$21,996Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,812Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,506Restructured Loans and leases
$62Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$762Total interest income
$290Total interest expense
$472Net interest income
$40Provision for loan and lease losses
$81Total noninterest income
$0Fiduciary activities
$49Service charges on deposit accounts
$0Trading account gains & fees
$32Additional noninterest income
$477Total noninterest expense
$282Salaries and employee benefits
$53Premises and equipment expense
$142Additional noninterest expense
$36Pre-tax net operating income
$0Securities gains (losses)
$12Applicable income taxes
$24Income before extraordinary items
$0Extraordinary gains - net
$24Net income attributable to bank
$0Net charge-offs
$24Cash dividends
$31Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.96%Yield on earning assets
1.51%Cost of funding earning assets
2.45%Net interest margin
0.42%Noninterest income to earning assets
2.48%Noninterest expense to earning assets
0.11%Net operating income to assets
0.11%Return on assets (ROA)
0.17%Pretax return on assets
1.33%Return on equity (ROE)
1.33%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
129.03%Credit loss provision to net charge-offs
2.45%Efficiency ratio
86,257Assets per employee
4.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.13%Loss allowance to noncurrent loans
98.67%Noncurrent assets plus other real estate owned to assets
1.02%Noncurrent loans to loans
2.16%Net loans and leases to deposits
50.84%Net loans and leases to core deposits
54.48%Equity capital to assets
8.25%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
10.38%Total risk-based capital ratio
Memoranda
$12Average assets
$21,148Average earning assets
$1,802Average equity
$19,227Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10632
North Loup Valley Bank
404 W 1st St, North Loup, NE 68859
July 01, 1946
Full Service Brick and Mortar
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