FDIC Certificate #: 8355 Status: Active Federal Reserve ID: 661858 Bank Holding Company (Regulatory Top Holder): Valparaiso Enterprises, Inc. (RSSDID: 1055810, Location: Valparaiso, NE) Date Established: March 04, 1899 WWW:http://www.ocvbank.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 #: 5333 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 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: 108 West Second Street, Valparaiso, NE 68065 County: Saunders Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Omaha Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420) Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540) CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $63.6 mil Equity capital: $7.5 mil Deposits held in domestic offices: $51.0 mil Return on assets (ROA): 2.30% ($1.5 mil) Quarterly return on assets: 1.26% ($0.8 mil) Return on Equity (ROE): 20.26% ($1.6 mil) Quarterly return on equity: 10.56% ($0.8 mil) Net income: $1.4 mil Quarterly Net income: $0.2 mil Pretax return on assets: 2.30% ($1,463.4 mil) Quarterly Pretax return on assets: 1.26% ($801.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$63,624Total assets
$1,641Cash and due from depository institutions
$6Interest-bearing balances
$22,126Securities
$0Federal funds sold & reverse repurchase agreements
$38,574Net loans & leases
$390Loan loss allowance
$0Trading account assets
$116Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$63,624Life insurance assets
$1,167All other assets
$56,102Total liabilities and capital
$51,001Total liabilities
$45,450Total deposits
$51,001Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,060Trading liabilities
$0Other borrowed funds
$41Subordinated debt
$7,522All other liabilities
$7,522Total equity capital
$7,522Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$4,700Surplus
$2,322Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4Income earned, not collected on loans
$0Earning assets
$726Long-term assets (5+ years)
$60,706Average Assets, year-to-date
$23,891Average Assets, quarterly
$61,596Volatile liabilities
$63,557Insider loans
$42,842FHLB advances
$62,431Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,746Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,791Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,078Total interest income
$604Total interest expense
$2,474Net interest income
$0Provision for loan and lease losses
$274Total noninterest income
$0Fiduciary activities
$52Service charges on deposit accounts
$0Trading account gains & fees
$222Additional noninterest income
$1,333Total noninterest expense
$957Salaries and employee benefits
$80Premises and equipment expense
$296Additional noninterest expense
$1,415Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,415Income before extraordinary items
$0Extraordinary gains - net
$1,415Net income attributable to bank
$0Net charge-offs
$1,415Cash dividends
$0Sale, conversion, retirement of capital stock, net
$645Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.03%Cost of funding earning assets
4.20%Net interest margin
0.47%Noninterest income to earning assets
2.26%Noninterest expense to earning assets
2.30%Net operating income to assets
2.30%Return on assets (ROA)
2.30%Pretax return on assets
20.26%Return on equity (ROE)
11.02%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
48,508Assets per employee
6.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.58%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
9750.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.01%Net loans and leases to deposits
75.63%Net loans and leases to core deposits
77.75%Equity capital to assets
11.82%Core capital (leverage) ratio
10.81%Tier 1 risk-based capital ratio
15.75%Total risk-based capital ratio
Memoranda
$17Average assets
$61,596Average earning assets
$6,985Average equity
$58,897Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5333
Oak Creek Valley Bank
108 West Second Street, Valparaiso, NE 68065
March 04, 1899
Full Service Brick and Mortar
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