FDIC Certificate #: 5410 Status: Active Federal Reserve ID: 3252 Bank Holding Company (Regulatory Top Holder): Isham Management Company (RSSDID: 1050794, Location: Gordon, NE) Date Established: January 01, 1889 WWW:http://www.fnbgordon.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 #: 3656 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: 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: 134 North Main Street, Gordon, NE 69343 County: Sheridan 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
Change in Location
Financial Summary
Total assets: $152.9 mil Equity capital: $20.1 mil Deposits held in domestic offices: $123.0 mil Return on assets (ROA): 2.20% ($3.4 mil) Quarterly return on assets: 1.88% ($2.9 mil) Return on Equity (ROE): 17.29% ($3.5 mil) Quarterly return on equity: 14.34% ($2.9 mil) Net income: $3.3 mil Quarterly Net income: $0.7 mil Pretax return on assets: 2.24% ($3,425.6 mil) Quarterly Pretax return on assets: 1.92% ($2,936.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
35Total employees (full-time equivalent)
$152,928Total assets
$5,508Cash and due from depository institutions
$735Interest-bearing balances
$67,767Securities
$0Federal funds sold & reverse repurchase agreements
$75,481Net loans & leases
$1,558Loan loss allowance
$0Trading account assets
$771Bank premises and fixed assets
$174Other real estate owned
$0Goodwill and other intangibles
$152,928Life insurance assets
$3,227All other assets
$132,815Total liabilities and capital
$122,982Total liabilities
$108,507Total deposits
$122,982Interest-bearing deposits
$87Deposits held in domestic offices
6000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,500Trading liabilities
$0Other borrowed funds
$333Subordinated debt
$20,113All other liabilities
$20,113Total equity capital
$20,113Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$300Surplus
$19,613Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,127Income earned, not collected on loans
$3Earning assets
$1,766Long-term assets (5+ years)
$143,983Average Assets, year-to-date
$57,344Average Assets, quarterly
$151,437Volatile liabilities
$153,072Insider loans
$81,151FHLB advances
$155,979Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,186Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,272Restructured Loans and leases
$1,152Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,604Total interest income
$1,032Total interest expense
$6,572Net interest income
$600Provision for loan and lease losses
$692Total noninterest income
$0Fiduciary activities
$600Service charges on deposit accounts
$0Trading account gains & fees
$92Additional noninterest income
$3,338Total noninterest expense
$2,055Salaries and employee benefits
$216Premises and equipment expense
$1,067Additional noninterest expense
$3,326Pre-tax net operating income
$71Securities gains (losses)
$61Applicable income taxes
$3,336Income before extraordinary items
$0Extraordinary gains - net
$3,336Net income attributable to bank
$0Net charge-offs
$3,336Cash dividends
$452Sale, conversion, retirement of capital stock, net
$1,800Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.33%Yield on earning assets
0.72%Cost of funding earning assets
4.61%Net interest margin
0.48%Noninterest income to earning assets
2.34%Noninterest expense to earning assets
2.16%Net operating income to assets
2.20%Return on assets (ROA)
2.24%Pretax return on assets
17.29%Return on equity (ROE)
7.96%Retained earnings to average equity (YTD only)
0.58%Net charge-offs to loans
132.74%Credit loss provision to net charge-offs
8.69%Efficiency ratio
45,953Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.96%Loss allowance to loans
2.02%Loss allowance to noncurrent loans
138.24%Noncurrent assets plus other real estate owned to assets
0.85%Noncurrent loans to loans
1.46%Net loans and leases to deposits
61.38%Net loans and leases to core deposits
77.29%Equity capital to assets
13.15%Core capital (leverage) ratio
12.30%Tier 1 risk-based capital ratio
23.64%Total risk-based capital ratio
Memoranda
$25Average assets
$151,437Average earning assets
$19,297Average equity
$142,698Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3656
The First National Bank Of Gordon
134 North Main Street, Gordon, NE 69343
January 01, 1889
Full Service Brick and Mortar
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