FDIC Certificate #: 4630 Status: Active Federal Reserve ID: 1011553 Bank Holding Company (Regulatory Top Holder): First National Bankshares Of Beloit, Inc. (RSSDID: 1063244, Location: Beloit, KS) Date Established: January 01, 1884 WWW:http://www.fnbbeloit.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 #: 15384 FDIC's unique #: 3071 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: 101 East Main Street, Beloit, KS 67420 County: Mitchell Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Hays Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $79.3 mil Equity capital: $8.1 mil Deposits held in domestic offices: $69.2 mil Return on assets (ROA): 0.81% ($0.6 mil) Quarterly return on assets: 0.52% ($0.4 mil) Return on Equity (ROE): 7.16% ($0.6 mil) Quarterly return on equity: 4.70% ($0.4 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.08% ($856.3 mil) Quarterly Pretax return on assets: 0.66% ($523.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$79,291Total assets
$12,793Cash and due from depository institutions
$4,959Interest-bearing balances
$22,066Securities
$31Federal funds sold & reverse repurchase agreements
$38,263Net loans & leases
$412Loan loss allowance
$0Trading account assets
$3,109Bank premises and fixed assets
$234Other real estate owned
$0Goodwill and other intangibles
$79,291Life insurance assets
$2,795All other assets
$71,185Total liabilities and capital
$69,182Total liabilities
$53,338Total deposits
$69,182Interest-bearing deposits
$76Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,460Trading liabilities
$0Other borrowed funds
$543Subordinated debt
$8,106All other liabilities
$8,106Total equity capital
$8,106Total bank equity capital
$0Perpetual preferred stock
$75Common stock
$250Surplus
$7,781Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$549Income earned, not collected on loans
$0Earning assets
$481Long-term assets (5+ years)
$65,319Average Assets, year-to-date
$7,415Average Assets, quarterly
$69,270Volatile liabilities
$73,465Insider loans
$48,887FHLB advances
$70,499Loans and leases held for sale
$1,767Unused loan commitments
$1,767Tier 1 (core) risk-based capital
$8,010Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,264Restructured Loans and leases
$61Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,617Total interest income
$419Total interest expense
$2,198Net interest income
$30Provision for loan and lease losses
$276Total noninterest income
$0Fiduciary activities
$152Service charges on deposit accounts
$0Trading account gains & fees
$124Additional noninterest income
$1,735Total noninterest expense
$1,100Salaries and employee benefits
$194Premises and equipment expense
$441Additional noninterest expense
$709Pre-tax net operating income
$36Securities gains (losses)
$181Applicable income taxes
$564Income before extraordinary items
$0Extraordinary gains - net
$564Net income attributable to bank
$0Net charge-offs
$564Cash dividends
$35Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.41%Yield on earning assets
0.71%Cost of funding earning assets
3.71%Net interest margin
0.47%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
0.77%Net operating income to assets
0.81%Return on assets (ROA)
1.08%Pretax return on assets
7.16%Return on equity (ROE)
7.16%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
85.71%Credit loss provision to net charge-offs
21.11%Efficiency ratio
70,129Assets per employee
4.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
75.05%Noncurrent assets plus other real estate owned to assets
0.99%Noncurrent loans to loans
1.42%Net loans and leases to deposits
55.31%Net loans and leases to core deposits
57.06%Equity capital to assets
10.22%Core capital (leverage) ratio
11.36%Tier 1 risk-based capital ratio
16.38%Total risk-based capital ratio
Memoranda
$17Average assets
$69,270Average earning assets
$7,877Average equity
$59,322Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3071
The First National Bank Of Beloit
101 East Main Street, Beloit, KS 67420
January 01, 1884
Full Service Brick and Mortar
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