FDIC Certificate #: 14051 Status: Active Federal Reserve ID: 305648 Bank Holding Company (Regulatory Top Holder): Cnb Corp (RSSDID: 1205491, Location: Shenandoah, IA) Date Established: March 12, 1934 WWW:http://www.cnbshen.com Trust Powers Granted: Yes 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 #: 8783 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: March 12, 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: 116 South Blossom Street, Shenandoah, IA 51601 County: Page 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: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $78.9 mil Equity capital: $7.0 mil Deposits held in domestic offices: $66.6 mil Return on assets (ROA): 0.87% ($0.7 mil) Quarterly return on assets: 0.85% ($0.7 mil) Return on Equity (ROE): 10.89% ($0.8 mil) Quarterly return on equity: 10.00% ($0.7 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.11% ($876.3 mil) Quarterly Pretax return on assets: 1.09% ($860.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$78,944Total assets
$2,742Cash and due from depository institutions
$0Interest-bearing balances
$35,166Securities
$1,621Federal funds sold & reverse repurchase agreements
$36,257Net loans & leases
$442Loan loss allowance
$0Trading account assets
$770Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$78,945Life insurance assets
$2,388All other assets
$71,940Total liabilities and capital
$66,637Total liabilities
$49,462Total deposits
$66,637Interest-bearing deposits
$89Deposits held in domestic offices
1945.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,500Trading liabilities
$0Other borrowed funds
$858Subordinated debt
$7,005All other liabilities
$7,005Total equity capital
$7,005Total bank equity capital
$0Perpetual preferred stock
$207Common stock
$1,596Surplus
$5,202Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$17Income earned, not collected on loans
$0Earning assets
$745Long-term assets (5+ years)
$73,044Average Assets, year-to-date
$25,148Average Assets, quarterly
$74,274Volatile liabilities
$76,437Insider loans
$49,593FHLB advances
$77,227Loans and leases held for sale
$700Unused loan commitments
$700Tier 1 (core) risk-based capital
$6,726Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,804Restructured Loans and leases
$3,358Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,659Total interest income
$437Total interest expense
$2,222Net interest income
$20Provision for loan and lease losses
$336Total noninterest income
$0Fiduciary activities
$264Service charges on deposit accounts
$0Trading account gains & fees
$72Additional noninterest income
$1,818Total noninterest expense
$1,017Salaries and employee benefits
$168Premises and equipment expense
$633Additional noninterest expense
$720Pre-tax net operating income
$105Securities gains (losses)
$182Applicable income taxes
$643Income before extraordinary items
$0Extraordinary gains - net
$643Net income attributable to bank
$0Net charge-offs
$643Cash dividends
-$6Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.85%Yield on earning assets
0.63%Cost of funding earning assets
3.22%Net interest margin
0.49%Noninterest income to earning assets
2.63%Noninterest expense to earning assets
0.76%Net operating income to assets
0.87%Return on assets (ROA)
1.11%Pretax return on assets
10.89%Return on equity (ROE)
10.89%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-333.33%Credit loss provision to net charge-offs
0.00%Efficiency ratio
71,071Assets per employee
4.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
2600.00%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.05%Net loans and leases to deposits
54.41%Net loans and leases to core deposits
55.75%Equity capital to assets
8.87%Core capital (leverage) ratio
8.71%Tier 1 risk-based capital ratio
13.56%Total risk-based capital ratio
Memoranda
$14Average assets
$74,274Average earning assets
$5,902Average equity
$69,086Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8783
The City National Bank Of Shenandoah
116 South Blossom Street, Shenandoah, IA 51601
March 12, 1934
Full Service Brick and Mortar
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