FDIC Certificate #: 16325 Status: Active Federal Reserve ID: 400552 Bank Holding Company (Regulatory Top Holder): Winside Bancshares, Incorporated (RSSDID: 1064821, Location: Winside, NE) Date Established: January 04, 1936 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15457 FDIC's unique #: 10512 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: October 15, 1945 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: 411 Main St, Winside, NE 68790 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $21.8 mil Equity capital: $4.5 mil Deposits held in domestic offices: $15.5 mil Return on assets (ROA): 1.23% ($0.3 mil) Quarterly return on assets: 1.37% ($0.3 mil) Return on Equity (ROE): 5.98% ($0.2 mil) Quarterly return on equity: 6.56% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.26% ($274.4 mil) Quarterly Pretax return on assets: 1.41% ($307.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$21,776Total assets
$1,475Cash and due from depository institutions
$505Interest-bearing balances
$4,368Securities
$0Federal funds sold & reverse repurchase agreements
$15,433Net loans & leases
$138Loan loss allowance
$0Trading account assets
$154Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$21,776Life insurance assets
$346All other assets
$17,294Total liabilities and capital
$15,500Total liabilities
$13,122Total deposits
$15,500Interest-bearing deposits
$88Deposits held in domestic offices
1485.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$300Trading liabilities
$0Other borrowed funds
$9Subordinated debt
$4,482All other liabilities
$4,482Total equity capital
$4,482Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$800Surplus
$3,482Undivided 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
$246Long-term assets (5+ years)
$20,306Average Assets, year-to-date
$4,058Average Assets, quarterly
$21,472Volatile liabilities
$21,238Insider loans
$20,209FHLB advances
$20,747Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,485Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,369Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$803Total interest income
$130Total interest expense
$673Net interest income
-$45Provision for loan and lease losses
$42Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$489Total noninterest expense
$330Salaries and employee benefits
$26Premises and equipment expense
$133Additional noninterest expense
$271Pre-tax net operating income
$0Securities gains (losses)
$7Applicable income taxes
$264Income before extraordinary items
$0Extraordinary gains - net
$264Net income attributable to bank
$0Net charge-offs
$264Cash dividends
-$45Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.91%Yield on earning assets
0.63%Cost of funding earning assets
3.27%Net interest margin
0.20%Noninterest income to earning assets
2.38%Noninterest expense to earning assets
1.23%Net operating income to assets
1.23%Return on assets (ROA)
1.26%Pretax return on assets
5.98%Return on equity (ROE)
2.58%Retained earnings to average equity (YTD only)
-0.36%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,392Assets per employee
4.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.82%Loss allowance to loans
0.89%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
99.57%Net loans and leases to core deposits
106.43%Equity capital to assets
20.58%Core capital (leverage) ratio
21.62%Tier 1 risk-based capital ratio
22.19%Total risk-based capital ratio
Memoranda
$23Average assets
$21,472Average earning assets
$4,415Average equity
$20,553Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10512
Winside State Bank
411 Main St, Winside, NE 68790
January 04, 1936
Full Service Brick and Mortar
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