FDIC Certificate #: 5379 Status: Active Federal Reserve ID: 978659 Date Established: March 01, 1887 WWW:http://www.carsonnationalbank.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) OTS Docket #: 52758 FDIC's unique #: 3629 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No 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: 2301 Dahlke Avenue, Auburn, NE 68305 County: Nemaha 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $66.9 mil Equity capital: $8.3 mil Deposits held in domestic offices: $55.8 mil Return on assets (ROA): 0.55% ($0.4 mil) Quarterly return on assets: 0.71% ($0.5 mil) Return on Equity (ROE): 4.52% ($0.4 mil) Quarterly return on equity: 5.75% ($0.5 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.57% ($381.5 mil) Quarterly Pretax return on assets: 0.78% ($522.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$66,927Total assets
$4,912Cash and due from depository institutions
$3,393Interest-bearing balances
$36,892Securities
$0Federal funds sold & reverse repurchase agreements
$23,623Net loans & leases
$330Loan loss allowance
$0Trading account assets
$195Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$66,927Life insurance assets
$1,305All other assets
$58,620Total liabilities and capital
$55,763Total liabilities
$48,599Total deposits
$55,763Interest-bearing deposits
$76Deposits held in domestic offices
1000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,360Trading liabilities
$0Other borrowed funds
$497Subordinated debt
$8,307All other liabilities
$8,307Total equity capital
$8,307Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$100Surplus
$8,107Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$160Income earned, not collected on loans
$0Earning assets
$584Long-term assets (5+ years)
$63,908Average Assets, year-to-date
$11,541Average Assets, quarterly
$66,025Volatile liabilities
$67,366Insider loans
$34,545FHLB advances
$66,812Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,784Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,951Restructured Loans and leases
$602Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,160Total interest income
$485Total interest expense
$1,675Net interest income
$280Provision for loan and lease losses
$123Total noninterest income
$0Fiduciary activities
$61Service charges on deposit accounts
$0Trading account gains & fees
$62Additional noninterest income
$1,146Total noninterest expense
$666Salaries and employee benefits
$98Premises and equipment expense
$382Additional noninterest expense
$372Pre-tax net operating income
$5Securities gains (losses)
$16Applicable income taxes
$361Income before extraordinary items
$0Extraordinary gains - net
$361Net income attributable to bank
$0Net charge-offs
$361Cash dividends
$315Sale, conversion, retirement of capital stock, net
$125Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.47%Yield on earning assets
0.78%Cost of funding earning assets
2.69%Net interest margin
0.20%Noninterest income to earning assets
1.84%Noninterest expense to earning assets
0.54%Net operating income to assets
0.55%Return on assets (ROA)
0.57%Pretax return on assets
4.52%Return on equity (ROE)
2.96%Retained earnings to average equity (YTD only)
1.32%Net charge-offs to loans
88.89%Credit loss provision to net charge-offs
2.07%Efficiency ratio
63,737Assets per employee
6.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.63%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
206.25%Noncurrent assets plus other real estate owned to assets
0.24%Noncurrent loans to loans
0.67%Net loans and leases to deposits
42.36%Net loans and leases to core deposits
46.05%Equity capital to assets
12.41%Core capital (leverage) ratio
11.65%Tier 1 risk-based capital ratio
22.53%Total risk-based capital ratio
Memoranda
$23Average assets
$66,025Average earning assets
$7,986Average equity
$62,328Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3629
The Carson National Bank Of Auburn
2301 Dahlke Avenue, Auburn, NE 68305
March 01, 1887
Full Service Brick and Mortar
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