FDIC Certificate #: 5489 Status: Active Federal Reserve ID: 664457 Bank Holding Company (Regulatory Top Holder): First National Agency, Inc. (RSSDID: 1055744, Location: Wayne, NE) Date Established: January 01, 1885 WWW:http://www.fnbwayne.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 #: 3721 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: November 13, 2007 Last Structure Change Process Date: December 03, 2007 Last Data Update: December 03, 2007 Data Source Date: April 05, 2012
Location
Address: 411 East 7th Street, Wayne, NE 68787 County: Wayne Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux City 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: $35.2 mil Equity capital: $3.7 mil Deposits held in domestic offices: $31.2 mil Return on assets (ROA): 0.01% ($0.0 mil) Quarterly return on assets: 0.54% ($0.2 mil) Return on Equity (ROE): 0.12% ($0.0 mil) Quarterly return on equity: 5.22% ($0.2 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.01% ($3.5 mil) Quarterly Pretax return on assets: 0.54% ($190.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$35,198Total assets
$3,441Cash and due from depository institutions
$466Interest-bearing balances
$12,511Securities
$0Federal funds sold & reverse repurchase agreements
$16,516Net loans & leases
$496Loan loss allowance
$0Trading account assets
$1,676Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$35,198Life insurance assets
$1,054All other assets
$31,521Total liabilities and capital
$31,206Total liabilities
$22,855Total deposits
$31,206Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$315Subordinated debt
$3,677All other liabilities
$3,677Total equity capital
$3,677Total bank equity capital
$0Perpetual preferred stock
$705Common stock
$3,280Surplus
$-308Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,509Income earned, not collected on loans
$0Earning assets
$210Long-term assets (5+ years)
$29,493Average Assets, year-to-date
$13,966Average Assets, quarterly
$34,079Volatile liabilities
$35,461Insider loans
$21,534FHLB advances
$35,329Loans and leases held for sale
$426Unused loan commitments
$271Tier 1 (core) risk-based capital
$3,662Tier 2 risk-based capital
$0Total risk weighted assets
$155Total unused commitments
$1,779Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$967Total interest income
$111Total interest expense
$856Net interest income
-$255Provision for loan and lease losses
$162Total noninterest income
$0Fiduciary activities
$100Service charges on deposit accounts
$0Trading account gains & fees
$62Additional noninterest income
$1,265Total noninterest expense
$569Salaries and employee benefits
$196Premises and equipment expense
$500Additional noninterest expense
$8Pre-tax net operating income
-$4Securities gains (losses)
$0Applicable income taxes
$4Income before extraordinary items
$0Extraordinary gains - net
$4Net income attributable to bank
$0Net charge-offs
$4Cash dividends
$188Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.74%Yield on earning assets
0.43%Cost of funding earning assets
3.31%Net interest margin
0.63%Noninterest income to earning assets
4.89%Noninterest expense to earning assets
0.02%Net operating income to assets
0.01%Return on assets (ROA)
0.01%Pretax return on assets
0.12%Return on equity (ROE)
0.12%Retained earnings to average equity (YTD only)
1.18%Net charge-offs to loans
-135.64%Credit loss provision to net charge-offs
-1.31%Efficiency ratio
124,263Assets per employee
3.91%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.92%Loss allowance to noncurrent loans
32.87%Noncurrent assets plus other real estate owned to assets
4.29%Noncurrent loans to loans
8.87%Net loans and leases to deposits
52.93%Net loans and leases to core deposits
52.93%Equity capital to assets
10.45%Core capital (leverage) ratio
10.37%Tier 1 risk-based capital ratio
17.01%Total risk-based capital ratio
Memoranda
$18Average assets
$34,079Average earning assets
$3,227Average equity
$25,854Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3721
The First National Bank Of Wayne
411 East 7th Street, Wayne, NE 68787
January 01, 1885
Full Service Brick and Mortar
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