FDIC Certificate #: 5380 Status: Active Federal Reserve ID: 983055 Date Established: January 01, 1884 WWW:http://www.firstnationalbancroft.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 #: 82171 FDIC's unique #: 3630 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: June 02, 2010 Last Structure Change Process Date: June 02, 2010 Last Data Update: June 02, 2010 Data Source Date: April 05, 2012
Location
Address: 301 Main Street, Bancroft, NE 68004 County: Cuming 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
Change in Location
Financial Summary
Total assets: $19.9 mil Equity capital: $3.2 mil Deposits held in domestic offices: $16.1 mil Return on assets (ROA): 0.77% ($0.2 mil) Quarterly return on assets: -0.14% (-$0.0 mil) Return on Equity (ROE): 4.92% ($0.1 mil) Quarterly return on equity: -0.86% (-$0.0 mil) Net income: $0.2 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.98% ($195.1 mil) Quarterly Pretax return on assets: -0.49% (-$97.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$19,904Total assets
$3,523Cash and due from depository institutions
$2,362Interest-bearing balances
$5,037Securities
$0Federal funds sold & reverse repurchase agreements
$10,788Net loans & leases
$144Loan loss allowance
$0Trading account assets
$56Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$19,904Life insurance assets
$500All other assets
$16,716Total liabilities and capital
$16,062Total liabilities
$13,156Total deposits
$16,062Interest-bearing deposits
$99Deposits held in domestic offices
486.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$168Subordinated debt
$3,188All other liabilities
$3,188Total equity capital
$3,188Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$75Surplus
$3,063Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$65Income earned, not collected on loans
$29Earning assets
$249Long-term assets (5+ years)
$18,187Average Assets, year-to-date
$2,432Average Assets, quarterly
$20,774Volatile liabilities
$20,446Insider loans
$13,798FHLB advances
$20,557Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,194Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,088Restructured Loans and leases
$424Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$863Total interest income
$133Total interest expense
$730Net interest income
$46Provision for loan and lease losses
$67Total noninterest income
$0Fiduciary activities
$52Service charges on deposit accounts
$0Trading account gains & fees
$15Additional noninterest income
$545Total noninterest expense
$319Salaries and employee benefits
$69Premises and equipment expense
$157Additional noninterest expense
$206Pre-tax net operating income
-$2Securities gains (losses)
$45Applicable income taxes
$159Income before extraordinary items
$0Extraordinary gains - net
$159Net income attributable to bank
$0Net charge-offs
$159Cash dividends
$24Sale, conversion, retirement of capital stock, net
$100Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.39%Yield on earning assets
0.68%Cost of funding earning assets
3.71%Net interest margin
0.34%Noninterest income to earning assets
2.77%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
0.98%Pretax return on assets
4.92%Return on equity (ROE)
1.83%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
191.67%Credit loss provision to net charge-offs
10.50%Efficiency ratio
68,381Assets per employee
3.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.89%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
221.54%Noncurrent assets plus other real estate owned to assets
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Best Regards