FDIC Certificate #: 5229 Status: Active Federal Reserve ID: 755458 Bank Holding Company (Regulatory Top Holder): Plainview Bankshares, Inc. (RSSDID: 1485800, Location: Plainview, MN) Date Established: June 07, 1902 WWW:http://www.fnbplainview.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 #: 9183 FDIC's unique #: 3514 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: 138 Broadway, Plainview, MN 55964 County: Wabasha Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Minneapolis Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Rochester, MN (#40340) CBSA Metro Statistical Area: Rochester, MN (#40340)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $146.0 mil Equity capital: $13.0 mil Deposits held in domestic offices: $122.0 mil Return on assets (ROA): 1.04% ($1.5 mil) Quarterly return on assets: 0.88% ($1.3 mil) Return on Equity (ROE): 11.92% ($1.5 mil) Quarterly return on equity: 9.98% ($1.3 mil) Net income: $1.4 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.04% ($1,518.9 mil) Quarterly Pretax return on assets: 0.88% ($1,285.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
29Total employees (full-time equivalent)
$146,049Total assets
$11,144Cash and due from depository institutions
$7,770Interest-bearing balances
$11,905Securities
$210Federal funds sold & reverse repurchase agreements
$118,872Net loans & leases
$1,540Loan loss allowance
$0Trading account assets
$538Bank premises and fixed assets
$811Other real estate owned
$0Goodwill and other intangibles
$146,049Life insurance assets
$2,569All other assets
$133,037Total liabilities and capital
$121,984Total liabilities
$103,994Total deposits
$121,984Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,650Trading liabilities
$0Other borrowed funds
$403Subordinated debt
$13,012All other liabilities
$13,012Total equity capital
$13,012Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$1,070Surplus
$11,822Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,346Income earned, not collected on loans
$0Earning assets
$693Long-term assets (5+ years)
$138,757Average Assets, year-to-date
$32,571Average Assets, quarterly
$138,351Volatile liabilities
$142,853Insider loans
$112,471FHLB advances
$141,880Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,621Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,306Restructured Loans and leases
$2,650Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,563Total interest income
$1,856Total interest expense
$4,707Net interest income
$88Provision for loan and lease losses
$506Total noninterest income
$0Fiduciary activities
$344Service charges on deposit accounts
$0Trading account gains & fees
$162Additional noninterest income
$3,688Total noninterest expense
$2,136Salaries and employee benefits
$336Premises and equipment expense
$1,216Additional noninterest expense
$1,437Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,437Income before extraordinary items
$0Extraordinary gains - net
$1,437Net income attributable to bank
$0Net charge-offs
$1,437Cash dividends
$301Sale, conversion, retirement of capital stock, net
$544Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.95%Yield on earning assets
1.40%Cost of funding earning assets
3.55%Net interest margin
0.38%Noninterest income to earning assets
2.78%Noninterest expense to earning assets
1.04%Net operating income to assets
1.04%Return on assets (ROA)
1.04%Pretax return on assets
11.92%Return on equity (ROE)
7.41%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
29.24%Credit loss provision to net charge-offs
5.07%Efficiency ratio
70,746Assets per employee
5.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.86%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
65.64%Noncurrent assets plus other real estate owned to assets
2.16%Noncurrent loans to loans
1.95%Net loans and leases to deposits
97.45%Net loans and leases to core deposits
103.47%Equity capital to assets
8.91%Core capital (leverage) ratio
8.90%Tier 1 risk-based capital ratio
11.22%Total risk-based capital ratio
Memoranda
$12Average assets
$138,351Average earning assets
$12,055Average equity
$132,690Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3514
The First National Bank Of Plainview
138 Broadway, Plainview, MN 55964
June 07, 1902
Full Service Brick and Mortar
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