FDIC Certificate #: 4778 Status: Active Federal Reserve ID: 199351 Bank Holding Company (Regulatory Top Holder): Summerfield Financial Services, Llc (RSSDID: 3822632, Location: Lincoln, NE) Date Established: April 07, 1917 WWW:http://www.mywnb.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 #: 3191 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 01, 2009 Last Structure Change Process Date: December 08, 2009 Last Data Update: December 08, 2009 Data Source Date: April 05, 2012
Location
Address: 401 Main Street, Summerfield, KS 66541 County: Marshall Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Corrections
Name Change
Financial Summary
Total assets: $27.3 mil Equity capital: $3.5 mil Deposits held in domestic offices: $20.8 mil Return on assets (ROA): 0.97% ($0.3 mil) Quarterly return on assets: 1.47% ($0.4 mil) Return on Equity (ROE): 7.43% ($0.3 mil) Quarterly return on equity: 11.39% ($0.5 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.00% ($273.2 mil) Quarterly Pretax return on assets: 1.58% ($431.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$27,324Total assets
$1,780Cash and due from depository institutions
$1,305Interest-bearing balances
$57Securities
$0Federal funds sold & reverse repurchase agreements
$23,795Net loans & leases
$284Loan loss allowance
$0Trading account assets
$93Bank premises and fixed assets
$29Other real estate owned
$968Goodwill and other intangibles
$27,324Life insurance assets
$602All other assets
$23,813Total liabilities and capital
$20,778Total liabilities
$19,483Total deposits
$20,778Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$35Subordinated debt
$3,511All other liabilities
$3,511Total equity capital
$3,511Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$3,407Surplus
$4Undivided 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
$233Long-term assets (5+ years)
$25,157Average Assets, year-to-date
$789Average Assets, quarterly
$26,164Volatile liabilities
$27,141Insider loans
$21,696FHLB advances
$26,115Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,541Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,253Restructured Loans and leases
$770Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,221Total interest income
$368Total interest expense
$853Net interest income
$72Provision for loan and lease losses
$86Total noninterest income
$0Fiduciary activities
$9Service charges on deposit accounts
$0Trading account gains & fees
$77Additional noninterest income
$605Total noninterest expense
$295Salaries and employee benefits
$73Premises and equipment expense
$237Additional noninterest expense
$262Pre-tax net operating income
$0Securities gains (losses)
$7Applicable income taxes
$255Income before extraordinary items
$0Extraordinary gains - net
$255Net income attributable to bank
$0Net charge-offs
$255Cash dividends
$4Sale, conversion, retirement of capital stock, net
$100Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.08%Yield on earning assets
1.53%Cost of funding earning assets
3.55%Net interest margin
0.36%Noninterest income to earning assets
2.52%Noninterest expense to earning assets
0.97%Net operating income to assets
0.97%Return on assets (ROA)
1.00%Pretax return on assets
7.43%Return on equity (ROE)
4.52%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
1800.00%Credit loss provision to net charge-offs
83.50%Efficiency ratio
64,430Assets per employee
6.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.22%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.00%Net loans and leases to deposits
114.52%Net loans and leases to core deposits
121.54%Equity capital to assets
12.85%Core capital (leverage) ratio
9.73%Tier 1 risk-based capital ratio
11.71%Total risk-based capital ratio
Memoranda
$13Average assets
$26,164Average earning assets
$3,432Average equity
$24,030Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3191
Western National Bank
401 Main Street, Summerfield, KS 66541
April 07, 1917
Full Service Brick and Mortar
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