First National Bank in Sioux City, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 20, 2007

  • First National Bank in Sioux City, Iowa (IA)
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First National Bank - Overview

  • General
  • FDIC Certificate #: 14713
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank (#4503)
    Federal Reserve ID: 669340
    Date Established: August 27, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 11524
    FDIC's unique #: 9204
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: August 27, 1934
    Last Structure Change Effective Date: July 20, 2007
    Last Structure Change Process Date: September 13, 2007
    Last Data Update: September 13, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 600 Pierce Street, Sioux City, IA 51101
    County: Woodbury
    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
    Metropolitan Statistical Area (MSA): Sioux City, IA-NE (#7720)
    Combined Statistical Area (CSA): Sioux City-Vermillion, IA-NE-SD (#512)
    Core Based Statistical Area (CBSA): Sioux City, IA-NE-SD (#43580)
    CBSA Metro Statistical Area: Sioux City, IA-NE-SD (#43580)
  • Financial Summary
  • Total assets: $138.7 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, 2006)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $134,427Total assets
  • $4,166Cash and due from depository institutions
  • $44Interest-bearing balances
  • $26,691Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $93,772Net loans & leases
  • $1,347Loan loss allowance
  • $0Trading account assets
  • $3,344Bank premises and fixed assets
  • $0Other real estate owned
  • $3,504Goodwill and other intangibles
  • $198Life insurance assets
  • $2,950All other assets
  • $134,427Total liabilities and capital
  • $121,385Total liabilities
  • $116,813Total deposits
  • $100,918Interest-bearing deposits
  • $116,813Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,461Other borrowed funds
  • $0Subordinated debt
  • $1,111All other liabilities
  • $13,042Total equity capital
  • $13,042Total bank equity capital
  • $13,042Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $12,405Undivided profits
  • Memoranda
  • $537Noncurrent loans and leases
  • $12,770Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,604Earning assets
  • $0Long-term assets (5+ years)
  • $1,068Average Assets, year-to-date
  • $120,507Average Assets, quarterly
  • $26,083Volatile liabilities
  • $134,617Insider loans
  • $134,495FHLB advances
  • $12,153Loans and leases held for sale
  • $1,582Unused loan commitments
  • $3,461Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,770Total unused commitments
  • $807Restructured Loans and leases
  • $1,255Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $7,737Total interest income
  • $3,944Total interest expense
  • $3,793Net interest income
  • $100Provision for loan and lease losses
  • $710Total noninterest income
  • $0Fiduciary activities
  • $370Service charges on deposit accounts
  • $0Trading account gains & fees
  • $340Additional noninterest income
  • $4,482Total noninterest expense
  • $2,464Salaries and employee benefits
  • $733Premises and equipment expense
  • $1,285Additional noninterest expense
  • -$79Pre-tax net operating income
  • -$26Securities gains (losses)
  • -$169Applicable income taxes
  • $64Income before extraordinary items
  • $0Extraordinary gains - net
  • $64Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $137Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.39%Yield on earning assets
  • 3.26%Cost of funding earning assets
  • 3.13%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • -0.08%Pretax return on assets
  • 0.45%Return on equity (ROE)
  • -13.60%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 72.99%Credit loss provision to net charge-offs
  • 0.15%Efficiency ratio
  • 97,735Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3125.00%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 83.98%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.69%Net loans and leases to deposits
  • 80.28%Net loans and leases to core deposits
  • 89.18%Equity capital to assets
  • 9.70%Core capital (leverage) ratio
  • 7.26%Tier 1 risk-based capital ratio
  • 9.43%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $134,617Average earning assets
  • $14,237Average equity
  • $121,085Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,530Managed Assets
  • 1Number of Accounts
  • $185Personal trust and agency accounts
  • $185Employee 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
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,345Other retirement accounts
  • $1,345Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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