FDIC Certificate #: 8511 Status: Active Federal Reserve ID: 810544 Bank Holding Company (Regulatory Top Holder): Viking Corporation, The (RSSDID: 1021570, Location: Omaha, NE) Date Established: March 15, 1927 WWW:http://www.crawfordcountybank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15783 FDIC's unique #: 5421 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: 21 North Main Street, Denison, IA 51442 County: Crawford 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: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $122.5 mil Equity capital: $10.1 mil Deposits held in domestic offices: $108.2 mil Return on assets (ROA): 1.54% ($1.9 mil) Quarterly return on assets: 1.26% ($1.5 mil) Return on Equity (ROE): 18.08% ($1.8 mil) Quarterly return on equity: 15.31% ($1.5 mil) Net income: $1.8 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.54% ($1,886.7 mil) Quarterly Pretax return on assets: 1.01% ($1,237.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
30Total employees (full-time equivalent)
$122,511Total assets
$15,559Cash and due from depository institutions
$9,908Interest-bearing balances
$15,446Securities
$0Federal funds sold & reverse repurchase agreements
$85,291Net loans & leases
$1,001Loan loss allowance
$0Trading account assets
$3,812Bank premises and fixed assets
$249Other real estate owned
$0Goodwill and other intangibles
$122,511Life insurance assets
$2,154All other assets
$112,403Total liabilities and capital
$108,227Total liabilities
$98,237Total deposits
$108,227Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,733Trading liabilities
$0Other borrowed funds
$443Subordinated debt
$10,108All other liabilities
$10,108Total equity capital
$10,108Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$4,014Surplus
$5,694Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$134Income earned, not collected on loans
$0Earning assets
$1,353Long-term assets (5+ years)
$110,645Average Assets, year-to-date
$18,457Average Assets, quarterly
$118,274Volatile liabilities
$122,963Insider loans
$99,643FHLB advances
$120,978Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,972Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,837Restructured Loans and leases
$166Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,029Total interest income
$920Total interest expense
$4,109Net interest income
$30Provision for loan and lease losses
$546Total noninterest income
$1Fiduciary activities
$419Service charges on deposit accounts
$0Trading account gains & fees
$126Additional noninterest income
$2,802Total noninterest expense
$1,729Salaries and employee benefits
$270Premises and equipment expense
$803Additional noninterest expense
$1,823Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,823Income before extraordinary items
$0Extraordinary gains - net
$1,823Net income attributable to bank
$0Net charge-offs
$1,823Cash dividends
-$10Sale, conversion, retirement of capital stock, net
$1,760Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.69%Yield on earning assets
0.86%Cost of funding earning assets
3.84%Net interest margin
0.51%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
1.54%Net operating income to assets
1.54%Return on assets (ROA)
1.54%Pretax return on assets
18.08%Return on equity (ROE)
0.62%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-300.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,193Assets per employee
4.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.54%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
747.01%Noncurrent assets plus other real estate owned to assets
0.42%Noncurrent loans to loans
0.16%Net loans and leases to deposits
78.81%Net loans and leases to core deposits
81.00%Equity capital to assets
8.25%Core capital (leverage) ratio
8.24%Tier 1 risk-based capital ratio
10.01%Total risk-based capital ratio
Memoranda
$11Average assets
$118,274Average earning assets
$10,082Average equity
$107,142Average 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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