FDIC Certificate #: 25065 Status: Active Federal Reserve ID: 47452 Bank Holding Company (Regulatory Top Holder): Northwest Bancshares Corporation (RSSDID: 1982176, Location: Benton, LA) Date Established: March 26, 1984 WWW:http://www.fnbbenton.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 17351 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: March 26, 1984 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: 104 Sibley, Benton, LA 71006 County: Bossier Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Shreveport Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680) Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508) Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340) CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $54.7 mil Equity capital: $8.6 mil Deposits held in domestic offices: $43.6 mil Return on assets (ROA): 0.62% ($0.3 mil) Quarterly return on assets: 0.87% ($0.5 mil) Return on Equity (ROE): 4.19% ($0.4 mil) Quarterly return on equity: 5.66% ($0.5 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.90% ($492.0 mil) Quarterly Pretax return on assets: 1.32% ($721.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$54,667Total assets
$18,246Cash and due from depository institutions
$17,020Interest-bearing balances
$15,779Securities
$0Federal funds sold & reverse repurchase agreements
$20,267Net loans & leases
$577Loan loss allowance
$0Trading account assets
$39Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$54,667Life insurance assets
$336All other assets
$46,018Total liabilities and capital
$43,634Total liabilities
$31,726Total deposits
$43,634Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$384Subordinated debt
$8,649All other liabilities
$8,649Total equity capital
$8,649Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$600Surplus
$7,449Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$318Income earned, not collected on loans
$0Earning assets
$210Long-term assets (5+ years)
$53,066Average Assets, year-to-date
$6,780Average Assets, quarterly
$56,830Volatile liabilities
$55,943Insider loans
$15,371FHLB advances
$55,334Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,218Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,245Restructured Loans and leases
$256Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,832Total interest income
$262Total interest expense
$1,570Net interest income
$0Provision for loan and lease losses
$246Total noninterest income
$0Fiduciary activities
$212Service charges on deposit accounts
$0Trading account gains & fees
$34Additional noninterest income
$1,304Total noninterest expense
$794Salaries and employee benefits
$71Premises and equipment expense
$439Additional noninterest expense
$512Pre-tax net operating income
$0Securities gains (losses)
$161Applicable income taxes
$351Income before extraordinary items
$0Extraordinary gains - net
$351Net income attributable to bank
$0Net charge-offs
$351Cash dividends
-$14Sale, conversion, retirement of capital stock, net
$90Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.43%Yield on earning assets
0.49%Cost of funding earning assets
2.94%Net interest margin
0.46%Noninterest income to earning assets
2.44%Noninterest expense to earning assets
0.62%Net operating income to assets
0.62%Return on assets (ROA)
0.90%Pretax return on assets
4.19%Return on equity (ROE)
3.12%Retained earnings to average equity (YTD only)
-0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
71,806Assets per employee
3.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.64%Loss allowance to loans
2.77%Loss allowance to noncurrent loans
181.45%Noncurrent assets plus other real estate owned to assets
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