FDIC Certificate #: 9274 Status: Active Federal Reserve ID: 419947 Bank Holding Company (Regulatory Top Holder): Great River Bancshares, Inc. (RSSDID: 1492527, Location: Quincy, IL) Date Established: January 01, 1864 WWW:http://www.hilldodge.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11615 FDIC's unique #: 5933 Numeric code: 21 Regulator: FDIC 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: Yes 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: 501 Main Street, Warsaw, IL 62379 County: Hancock Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Il Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $36.6 mil Equity capital: $4.0 mil Deposits held in domestic offices: $32.5 mil Return on assets (ROA): 1.75% ($0.6 mil) Quarterly return on assets: 1.92% ($0.7 mil) Return on Equity (ROE): 16.11% ($0.6 mil) Quarterly return on equity: 17.38% ($0.7 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.78% ($651.1 mil) Quarterly Pretax return on assets: 1.94% ($709.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$36,576Total assets
$6,568Cash and due from depository institutions
$1,244Interest-bearing balances
$4,398Securities
$0Federal funds sold & reverse repurchase agreements
$23,646Net loans & leases
$263Loan loss allowance
$0Trading account assets
$114Bank premises and fixed assets
$85Other real estate owned
$0Goodwill and other intangibles
$36,576Life insurance assets
$1,765All other assets
$32,539Total liabilities and capital
$32,493Total liabilities
$25,880Total deposits
$32,493Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$46Subordinated debt
$4,037All other liabilities
$4,037Total equity capital
$4,037Total bank equity capital
$0Perpetual preferred stock
$450Common stock
$875Surplus
$2,712Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$127Income earned, not collected on loans
$0Earning assets
$308Long-term assets (5+ years)
$29,288Average Assets, year-to-date
$790Average Assets, quarterly
$35,977Volatile liabilities
$36,329Insider loans
$25,580FHLB advances
$35,381Loans and leases held for sale
$1,281Unused loan commitments
$1,281Tier 1 (core) risk-based capital
$3,952Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,509Restructured Loans and leases
$848Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,646Total interest income
$353Total interest expense
$1,293Net interest income
$36Provision for loan and lease losses
$161Total noninterest income
$3Fiduciary activities
$115Service charges on deposit accounts
$0Trading account gains & fees
$43Additional noninterest income
$779Total noninterest expense
$334Salaries and employee benefits
$56Premises and equipment expense
$389Additional noninterest expense
$639Pre-tax net operating income
$0Securities gains (losses)
$9Applicable income taxes
$630Income before extraordinary items
$0Extraordinary gains - net
$630Net income attributable to bank
$0Net charge-offs
$630Cash dividends
$36Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.67%Yield on earning assets
1.22%Cost of funding earning assets
4.45%Net interest margin
0.55%Noninterest income to earning assets
2.68%Noninterest expense to earning assets
1.75%Net operating income to assets
1.75%Return on assets (ROA)
1.78%Pretax return on assets
16.11%Return on equity (ROE)
8.44%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
18.75%Efficiency ratio
53,576Assets per employee
6.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.62%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
207.09%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.53%Net loans and leases to deposits
72.77%Net loans and leases to core deposits
73.40%Equity capital to assets
11.04%Core capital (leverage) ratio
11.17%Tier 1 risk-based capital ratio
15.45%Total risk-based capital ratio
Memoranda
$16Average assets
$35,977Average earning assets
$3,911Average equity
$29,035Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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