FDIC Certificate #: 5389 Status: Active Federal Reserve ID: 236050 Bank Holding Company (Regulatory Top Holder): Fnb Financial Services, Inc. (RSSDID: 1061718, Location: Cambridge, NE) Date Established: April 09, 1887 WWW:http://www.fnbcambridge.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) FDIC's unique #: 3637 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: Yes 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: 707 Patterson, Cambridge, NE 69022 County: Furnas Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Island 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: $48.6 mil Equity capital: $4.9 mil Deposits held in domestic offices: $43.6 mil Return on assets (ROA): 0.70% ($0.3 mil) Quarterly return on assets: 0.73% ($0.4 mil) Return on Equity (ROE): 7.20% ($0.4 mil) Quarterly return on equity: 7.30% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.73% ($354.5 mil) Quarterly Pretax return on assets: 0.77% ($373.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$48,562Total assets
$11,505Cash and due from depository institutions
$10,044Interest-bearing balances
$10,170Securities
$625Federal funds sold & reverse repurchase agreements
$24,902Net loans & leases
$296Loan loss allowance
$0Trading account assets
$324Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$48,562Life insurance assets
$1,036All other assets
$43,692Total liabilities and capital
$43,641Total liabilities
$36,062Total deposits
$43,641Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$51Subordinated debt
$4,870All other liabilities
$4,870Total equity capital
$4,870Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$100Surplus
$4,670Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$112Income earned, not collected on loans
$0Earning assets
$604Long-term assets (5+ years)
$45,741Average Assets, year-to-date
$5,918Average Assets, quarterly
$49,846Volatile liabilities
$49,711Insider loans
$28,134FHLB advances
$49,229Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,786Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,373Restructured Loans and leases
$212Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,807Total interest income
$372Total interest expense
$1,435Net interest income
$15Provision for loan and lease losses
$512Total noninterest income
$0Fiduciary activities
$96Service charges on deposit accounts
$0Trading account gains & fees
$416Additional noninterest income
$1,584Total noninterest expense
$951Salaries and employee benefits
$92Premises and equipment expense
$541Additional noninterest expense
$348Pre-tax net operating income
$18Securities gains (losses)
$15Applicable income taxes
$351Income before extraordinary items
$0Extraordinary gains - net
$351Net income attributable to bank
$0Net charge-offs
$351Cash dividends
$69Sale, conversion, retirement of capital stock, net
$345Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.80%Yield on earning assets
0.78%Cost of funding earning assets
3.02%Net interest margin
1.08%Noninterest income to earning assets
3.33%Noninterest expense to earning assets
0.67%Net operating income to assets
0.70%Return on assets (ROA)
0.73%Pretax return on assets
7.20%Return on equity (ROE)
0.12%Retained earnings to average equity (YTD only)
0.28%Net charge-offs to loans
21.74%Credit loss provision to net charge-offs
5.26%Efficiency ratio
81,356Assets per employee
3.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
98.29%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
264.29%Noncurrent assets plus other real estate owned to assets
0.23%Noncurrent loans to loans
0.44%Net loans and leases to deposits
57.06%Net loans and leases to core deposits
58.56%Equity capital to assets
10.03%Core capital (leverage) ratio
9.72%Tier 1 risk-based capital ratio
17.01%Total risk-based capital ratio
Memoranda
$18Average assets
$49,846Average earning assets
$4,875Average equity
$47,509Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3637
The First National Bank Of Cambridge
707 Patterson, Cambridge, NE 69022
April 09, 1887
Full Service Brick and Mortar
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