FDIC Certificate #: 17339 Status: Active Federal Reserve ID: 457659 Bank Holding Company (Regulatory Top Holder): Farmers Bancshares, Inc. (RSSDID: 1061062, Location: Nebraska City, NE) Date Established: September 01, 1884 WWW:http://www.farmersbanknc.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) FDIC's unique #: 11349 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: July 09, 1954 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: 202 South Eighth Street, Nebraska City, NE 68410 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $43.6 mil Equity capital: $4.3 mil Deposits held in domestic offices: $39.2 mil Return on assets (ROA): 0.71% ($0.3 mil) Quarterly return on assets: 0.70% ($0.3 mil) Return on Equity (ROE): 7.50% ($0.3 mil) Quarterly return on equity: 7.12% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.75% ($326.7 mil) Quarterly Pretax return on assets: 0.75% ($326.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$43,560Total assets
$8,062Cash and due from depository institutions
$5,360Interest-bearing balances
$21,129Securities
$1,150Federal funds sold & reverse repurchase agreements
$12,384Net loans & leases
$159Loan loss allowance
$0Trading account assets
$242Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$43,560Life insurance assets
$593All other assets
$39,245Total liabilities and capital
$39,204Total liabilities
$27,642Total deposits
$39,204Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$41Subordinated debt
$4,315All other liabilities
$4,315Total equity capital
$4,315Total bank equity capital
$0Perpetual preferred stock
$700Common stock
$900Surplus
$2,715Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$250Income earned, not collected on loans
$0Earning assets
$299Long-term assets (5+ years)
$40,023Average Assets, year-to-date
$14,394Average Assets, quarterly
$43,947Volatile liabilities
$43,965Insider loans
$16,690FHLB advances
$44,618Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,824Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,387Restructured Loans and leases
$1,080Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,419Total interest income
$116Total interest expense
$1,303Net interest income
$0Provision for loan and lease losses
$99Total noninterest income
$0Fiduciary activities
$55Service charges on deposit accounts
$0Trading account gains & fees
$44Additional noninterest income
$1,090Total noninterest expense
$587Salaries and employee benefits
$167Premises and equipment expense
$336Additional noninterest expense
$312Pre-tax net operating income
$16Securities gains (losses)
$17Applicable income taxes
$311Income before extraordinary items
$0Extraordinary gains - net
$311Net income attributable to bank
$0Net charge-offs
$311Cash dividends
$0Sale, conversion, retirement of capital stock, net
$302Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.48%Yield on earning assets
0.28%Cost of funding earning assets
3.19%Net interest margin
0.24%Noninterest income to earning assets
2.67%Noninterest expense to earning assets
0.67%Net operating income to assets
0.71%Return on assets (ROA)
0.75%Pretax return on assets
7.50%Return on equity (ROE)
0.22%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
77,746Assets per employee
3.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
97.11%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
63.60%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
1.99%Net loans and leases to deposits
31.59%Net loans and leases to core deposits
31.59%Equity capital to assets
9.91%Core capital (leverage) ratio
8.57%Tier 1 risk-based capital ratio
22.91%Total risk-based capital ratio
Memoranda
$24Average assets
$43,947Average earning assets
$4,149Average equity
$40,831Average 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
YesFiduciary powers granted
YesFiduciary or related activity
$13Managed Assets
1Number of Accounts
$13Personal trust and agency accounts
$13Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11349
Farmers Bank And Trust Company
202 South Eighth Street, Nebraska City, NE 68410
September 01, 1884
Full Service Brick and Mortar
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