FDIC Certificate #: 14639 Status: Active Federal Reserve ID: 210452 Bank Holding Company (Regulatory Top Holder): Malmo Bancorp, Inc. (RSSDID: 2269089, Location: Malmo, NE) Date Established: August 01, 1934 WWW:http://www.shbmalmo.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 #: 9153 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: August 06, 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: 147 Center Avenue, Malmo, NE 68040 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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $34.7 mil Equity capital: $3.0 mil Deposits held in domestic offices: $21.6 mil Return on assets (ROA): 0.67% ($0.2 mil) Quarterly return on assets: 0.15% ($0.1 mil) Return on Equity (ROE): 7.12% ($0.2 mil) Quarterly return on equity: 1.62% ($0.0 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.14% ($396.1 mil) Quarterly Pretax return on assets: 0.59% ($205.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$34,743Total assets
$2,067Cash and due from depository institutions
$1,400Interest-bearing balances
$2,519Securities
$0Federal funds sold & reverse repurchase agreements
$28,333Net loans & leases
$334Loan loss allowance
$0Trading account assets
$376Bank premises and fixed assets
$365Other real estate owned
$150Goodwill and other intangibles
$34,743Life insurance assets
$933All other assets
$31,772Total liabilities and capital
$21,582Total liabilities
$18,957Total deposits
$21,582Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,982Trading liabilities
$0Other borrowed funds
$208Subordinated debt
$2,971All other liabilities
$2,971Total equity capital
$2,971Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,873Surplus
$948Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$293Income earned, not collected on loans
$0Earning assets
$367Long-term assets (5+ years)
$32,252Average Assets, year-to-date
$2,490Average Assets, quarterly
$30,480Volatile liabilities
$32,320Insider loans
$27,437FHLB advances
$31,019Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,806Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,011Restructured Loans and leases
$665Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,550Total interest income
$314Total interest expense
$1,236Net interest income
$76Provision for loan and lease losses
$86Total noninterest income
$0Fiduciary activities
$35Service charges on deposit accounts
$0Trading account gains & fees
$51Additional noninterest income
$899Total noninterest expense
$555Salaries and employee benefits
$100Premises and equipment expense
$244Additional noninterest expense
$347Pre-tax net operating income
$0Securities gains (losses)
$142Applicable income taxes
$205Income before extraordinary items
$0Extraordinary gains - net
$205Net income attributable to bank
$0Net charge-offs
$205Cash dividends
$46Sale, conversion, retirement of capital stock, net
$37Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.53%Yield on earning assets
1.12%Cost of funding earning assets
4.41%Net interest margin
0.31%Noninterest income to earning assets
3.21%Noninterest expense to earning assets
0.67%Net operating income to assets
0.67%Return on assets (ROA)
1.14%Pretax return on assets
7.12%Return on equity (ROE)
5.84%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
165.22%Credit loss provision to net charge-offs
9.20%Efficiency ratio
68,003Assets per employee
4.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.05%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
113.99%Noncurrent assets plus other real estate owned to assets
1.89%Noncurrent loans to loans
1.02%Net loans and leases to deposits
131.28%Net loans and leases to core deposits
131.28%Equity capital to assets
8.55%Core capital (leverage) ratio
9.05%Tier 1 risk-based capital ratio
10.23%Total risk-based capital ratio
Memoranda
$11Average assets
$30,480Average earning assets
$2,879Average equity
$28,049Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9153
Security Home Bank
147 Center Avenue, Malmo, NE 68040
August 01, 1934
Full Service Brick and Mortar
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