FDIC Certificate #: 5256 Status: Active Federal Reserve ID: 863353 Bank Holding Company (Regulatory Top Holder): Skbhc Holdings Llc (RSSDID: 4091800, Location: Scottsdale, AZ) Date Established: January 01, 1898 WWW:http://www.fnbstarbuck.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 #: 3532 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: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012
Location
Address: 100 West 5th Street, Starbuck, MN 56381 County: Pope Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: San Francisco FDIC Field Office: Fargo Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Change in Location
Financial Summary
Total assets: $22.4 mil Equity capital: $5.2 mil Deposits held in domestic offices: $17.1 mil Return on assets (ROA): -0.18% (-$0.0 mil) Quarterly return on assets: -1.12% (-$0.2 mil) Return on Equity (ROE): -0.77% (-$0.0 mil) Quarterly return on equity: -4.95% (-$0.2 mil) Net income: -$0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.03% ($6.7 mil) Quarterly Pretax return on assets: -0.31% (-$69.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$22,360Total assets
$9,088Cash and due from depository institutions
$8,595Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$8,916Net loans & leases
$30Loan loss allowance
$0Trading account assets
$372Bank premises and fixed assets
$127Other real estate owned
$3,079Goodwill and other intangibles
$22,360Life insurance assets
$778All other assets
$17,146Total liabilities and capital
$17,119Total liabilities
$11,476Total deposits
$17,119Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$27Subordinated debt
$5,214All other liabilities
$5,214Total equity capital
$5,214Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$5,097Surplus
$17Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$202Income earned, not collected on loans
$0Earning assets
$83Long-term assets (5+ years)
$17,511Average Assets, year-to-date
$1,525Average Assets, quarterly
$21,928Volatile liabilities
$22,905Insider loans
$7,811FHLB advances
$19,862Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,135Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$596Restructured Loans and leases
$10Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$791Total interest income
$37Total interest expense
$754Net interest income
$27Provision for loan and lease losses
$260Total noninterest income
$0Fiduciary activities
$30Service charges on deposit accounts
$0Trading account gains & fees
$230Additional noninterest income
$980Total noninterest expense
$578Salaries and employee benefits
$147Premises and equipment expense
$255Additional noninterest expense
$7Pre-tax net operating income
$0Securities gains (losses)
$46Applicable income taxes
-$39Income before extraordinary items
$0Extraordinary gains - net
-$39Net income attributable to bank
$0Net charge-offs
-$39Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.70%Yield on earning assets
0.22%Cost of funding earning assets
4.48%Net interest margin
1.54%Noninterest income to earning assets
5.82%Noninterest expense to earning assets
-0.18%Net operating income to assets
-0.18%Return on assets (ROA)
0.03%Pretax return on assets
-0.77%Return on equity (ROE)
-0.77%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
95,858Assets per employee
3.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.34%Loss allowance to noncurrent loans
14.85%Noncurrent assets plus other real estate owned to assets
1.47%Noncurrent loans to loans
2.26%Net loans and leases to deposits
52.08%Net loans and leases to core deposits
53.36%Equity capital to assets
23.32%Core capital (leverage) ratio
10.75%Tier 1 risk-based capital ratio
27.33%Total risk-based capital ratio
Memoranda
$28Average assets
$21,928Average earning assets
$5,068Average equity
$16,844Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3532
The First National Bank Of Starbuck
100 West 5th Street, Starbuck, MN 56381
January 01, 1898
Full Service Brick and Mortar
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