FDIC Certificate #: 10641 Status: Active Federal Reserve ID: 388557 Bank Holding Company (Regulatory Top Holder): Tri Valley Bancshares, Inc. (RSSDID: 3952940, Location: Talmage, NE) Date Established: September 01, 1884 WWW:http://www.banktrivalley.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6823 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, 2010 Last Structure Change Process Date: April 12, 2010 Last Data Update: April 12, 2010 Data Source Date: April 05, 2012
Location
Address: 223 Main Street, Talmage, NE 68448 County: Otoe Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Omaha Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $30.6 mil Equity capital: $2.4 mil Deposits held in domestic offices: $28.1 mil Return on assets (ROA): 1.09% ($0.3 mil) Quarterly return on assets: 1.22% ($0.4 mil) Return on Equity (ROE): 13.93% ($0.3 mil) Quarterly return on equity: 14.81% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.14% ($348.3 mil) Quarterly Pretax return on assets: 1.28% ($391.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$30,550Total assets
$2,908Cash and due from depository institutions
$2,850Interest-bearing balances
$1,175Securities
$0Federal funds sold & reverse repurchase agreements
$25,702Net loans & leases
$274Loan loss allowance
$0Trading account assets
$243Bank premises and fixed assets
$0Other real estate owned
$49Goodwill and other intangibles
$30,550Life insurance assets
$473All other assets
$28,132Total liabilities and capital
$28,086Total liabilities
$24,509Total deposits
$28,086Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$46Subordinated debt
$2,418All other liabilities
$2,418Total equity capital
$2,418Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$2,120Surplus
$273Undivided 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
$259Long-term assets (5+ years)
$29,727Average Assets, year-to-date
$2,629Average Assets, quarterly
$27,819Volatile liabilities
$28,853Insider loans
$24,230FHLB advances
$28,414Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,376Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,622Restructured Loans and leases
$559Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,405Total interest income
$337Total interest expense
$1,068Net interest income
$136Provision for loan and lease losses
$11Total noninterest income
$0Fiduciary activities
$10Service charges on deposit accounts
$0Trading account gains & fees
$1Additional noninterest income
$627Total noninterest expense
$274Salaries and employee benefits
$66Premises and equipment expense
$287Additional noninterest expense
$316Pre-tax net operating income
$0Securities gains (losses)
$12Applicable income taxes
$304Income before extraordinary items
$0Extraordinary gains - net
$304Net income attributable to bank
$0Net charge-offs
$304Cash 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)
5.28%Yield on earning assets
1.27%Cost of funding earning assets
4.01%Net interest margin
0.04%Noninterest income to earning assets
2.36%Noninterest expense to earning assets
1.09%Net operating income to assets
1.09%Return on assets (ROA)
1.14%Pretax return on assets
13.93%Return on equity (ROE)
13.93%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
56,348Assets per employee
6.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.05%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
91.51%Net loans and leases to core deposits
114.47%Equity capital to assets
7.91%Core capital (leverage) ratio
8.36%Tier 1 risk-based capital ratio
9.81%Total risk-based capital ratio
Memoranda
$11Average assets
$27,819Average earning assets
$2,182Average equity
$26,614Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6823
Tri Valley Bank
223 Main Street, Talmage, NE 68448
September 01, 1884
Full Service Brick and Mortar
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