FDIC Certificate #: 5419 Status: Active Federal Reserve ID: 194253 Bank Holding Company (Regulatory Top Holder): First Holdrege Bancshares, Inc. (RSSDID: 1058138, Location: Holdrege, NE) Date Established: June 13, 1884 WWW:http://www.fnbholdrege.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 #: 3664 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: 401 East Avenue, Holdrege, NE 68949 County: Phelps 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: $108.5 mil Equity capital: $8.7 mil Deposits held in domestic offices: $81.2 mil Return on assets (ROA): 0.66% ($0.7 mil) Quarterly return on assets: -0.06% (-$0.1 mil) Return on Equity (ROE): 8.13% ($0.7 mil) Quarterly return on equity: -0.65% (-$0.1 mil) Net income: $0.7 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.68% ($737.6 mil) Quarterly Pretax return on assets: 0.02% ($21.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
26Total employees (full-time equivalent)
$108,477Total assets
$6,580Cash and due from depository institutions
$0Interest-bearing balances
$45,188Securities
$11,500Federal funds sold & reverse repurchase agreements
$41,488Net loans & leases
$896Loan loss allowance
$0Trading account assets
$895Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$108,477Life insurance assets
$2,826All other assets
$99,797Total liabilities and capital
$81,247Total liabilities
$54,921Total deposits
$81,247Interest-bearing deposits
$92Deposits held in domestic offices
16932.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,618Subordinated debt
$8,680All other liabilities
$8,680Total equity capital
$8,680Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$1,500Surplus
$5,680Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$697Long-term assets (5+ years)
$98,176Average Assets, year-to-date
$18,356Average Assets, quarterly
$99,742Volatile liabilities
$101,580Insider loans
$54,846FHLB advances
$100,012Loans and leases held for sale
$1,322Unused loan commitments
$1,322Tier 1 (core) risk-based capital
$8,601Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$20,996Restructured Loans and leases
$177Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,744Total interest income
$644Total interest expense
$3,100Net interest income
$510Provision for loan and lease losses
$791Total noninterest income
$0Fiduciary activities
$260Service charges on deposit accounts
$0Trading account gains & fees
$531Additional noninterest income
$2,741Total noninterest expense
$1,669Salaries and employee benefits
$318Premises and equipment expense
$754Additional noninterest expense
$640Pre-tax net operating income
$43Securities gains (losses)
$27Applicable income taxes
$656Income before extraordinary items
$0Extraordinary gains - net
$656Net income attributable to bank
$0Net charge-offs
$656Cash dividends
$324Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.08%Yield on earning assets
0.70%Cost of funding earning assets
3.38%Net interest margin
0.86%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
0.62%Net operating income to assets
0.66%Return on assets (ROA)
0.68%Pretax return on assets
8.13%Return on equity (ROE)
8.13%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
157.41%Credit loss provision to net charge-offs
3.55%Efficiency ratio
70,445Assets per employee
4.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.11%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
51.06%Net loans and leases to core deposits
51.38%Equity capital to assets
8.00%Core capital (leverage) ratio
8.60%Tier 1 risk-based capital ratio
15.68%Total risk-based capital ratio
Memoranda
$17Average assets
$99,742Average earning assets
$8,073Average equity
$91,715Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3664
The First National Bank Of Holdrege
401 East Avenue, Holdrege, NE 68949
June 13, 1884
Full Service Brick and Mortar
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