First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Greenfield, Iowa (IA)
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First National Bank - Overview

General
FDIC Certificate #: 954
Status: Active
Federal Reserve ID: 617743
Bank Holding Company (Regulatory Top Holder): First Fontanelle Employee Stock Ownership Plan And Trust (RSSDID: 3696141, Location: Fontanelle, IA)
Date Established: August 23, 1905
WWW: http://www.fnbfontanelle.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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 622
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: 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: 101 Northeast Hayes, Greenfield, IA 50849
County: Adair
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Des Moines
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: $206.6 mil
Equity capital: $22.4 mil
Deposits held in domestic offices: $168.8 mil
Return on assets (ROA): 1.18% ($2.4 mil)
Quarterly return on assets: 1.49% ($3.1 mil)
Return on Equity (ROE): 10.27% ($2.3 mil)
Quarterly return on equity: 13.17% ($2.9 mil)
Net income: $2.3 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.25% ($2,583.1 mil)
Quarterly Pretax return on assets: 1.57% ($3,244.4 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
48Total employees (full-time equivalent)
$206,648Total assets
$3,837Cash and due from depository institutions
$0Interest-bearing balances
$52,020Securities
$986Federal funds sold & reverse repurchase agreements
$139,071Net loans & leases
$1,817Loan loss allowance
$0Trading account assets
$1,304Bank premises and fixed assets
$260Other real estate owned
$4,415Goodwill and other intangibles
$206,648Life insurance assets
$4,755All other assets
$184,244Total liabilities and capital
$168,791Total liabilities
$147,374Total deposits
$168,791Interest-bearing deposits
$89Deposits held in domestic offices
10734.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,007Trading liabilities
$0Other borrowed funds
$712Subordinated debt
$22,404All other liabilities
$22,404Total equity capital
$22,404Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$11,443Surplus
$10,761Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,131Income earned, not collected on loans
$210Earning assets
$3,233Long-term assets (5+ years)
$192,077Average Assets, year-to-date
$34,201Average Assets, quarterly
$190,371Volatile liabilities
$199,798Insider loans
$156,449FHLB advances
$197,774Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,714Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,789Restructured Loans and leases
$1,504Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,214Total interest income
$2,055Total interest expense
$7,159Net interest income
$575Provision for loan and lease losses
$1,137Total noninterest income
$0Fiduciary activities
$554Service charges on deposit accounts
$0Trading account gains & fees
$583Additional noninterest income
$5,348Total noninterest expense
$3,425Salaries and employee benefits
$320Premises and equipment expense
$1,603Additional noninterest expense
$2,373Pre-tax net operating income
$0Securities gains (losses)
$121Applicable income taxes
$2,252Income before extraordinary items
$0Extraordinary gains - net
$2,252Net income attributable to bank
$0Net charge-offs
$2,252Cash dividends
$364Sale, conversion, retirement of capital stock, net
$1,685Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.22%Yield on earning assets
1.16%Cost of funding earning assets
4.05%Net interest margin
0.64%Noninterest income to earning assets
3.03%Noninterest expense to earning assets
1.18%Net operating income to assets
1.18%Return on assets (ROA)
1.25%Pretax return on assets
10.27%Return on equity (ROE)
2.59%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
157.97%Credit loss provision to net charge-offs
8.10%Efficiency ratio
63,946Assets per employee
4.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
74.82%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
85.27%Noncurrent assets plus other real estate owned to assets
1.16%Noncurrent loans to loans
1.51%Net loans and leases to deposits
82.39%Net loans and leases to core deposits
86.24%Equity capital to assets
10.84%Core capital (leverage) ratio
8.45%Tier 1 risk-based capital ratio
10.68%Total risk-based capital ratio
Memoranda
$12Average assets
$190,371Average earning assets
$21,928Average equity
$176,615Average loans

List of branches

5 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	622	First National Bank	101 Northeast Hayes, Greenfield, IA 50849	August 23, 1905	Full Service Brick and Mortar
2	186736	Fontanelle Branch	311 5th Street, Fontanelle, IA 50846	July 22, 1996	Full Service Brick and Mortar
3	32587	Anita Branch	793 Main Street, Anita, IA 50020	May 03, 1985	Full Service Brick and Mortar
4	7898	Correctionville Branch	504 Driftwood, Correctionville, IA 51016	September 07, 1931	Full Service Brick and Mortar
5	258626	Massena Branch	101 Main Street, Massena, IA 50853	May 02, 1994	Full Service Brick and Mortar

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

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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