FDIC Certificate #: 12636 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Banner County Bank, Inc. (#19274) Federal Reserve ID: 989356 Date Established: January 25, 1887 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 8023 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 05, 2011 Last Structure Change Process Date: March 28, 2011 Last Data Update: March 28, 2011 Data Source Date: April 05, 2012
Location
Address: 401 9th St, Beaver City, NE 68926 County: Furnas Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Grand Island Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
Financial Summary
Total assets: $47.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
9Total employees (full-time equivalent)
$47,592Total assets
$4,386Cash and due from depository institutions
$496Interest-bearing balances
$15,053Securities
$4,000Federal funds sold & reverse repurchase agreements
$23,222Net loans & leases
$232Loan loss allowance
$0Trading account assets
$77Bank premises and fixed assets
$65Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$789All other assets
$47,593Total liabilities and capital
$40,530Total liabilities
$40,473Total deposits
$37,021Interest-bearing deposits
$40,473Deposits held in domestic offices
94.85%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$57All other liabilities
$7,063Total equity capital
$7,063Total bank equity capital
$7,063Perpetual preferred stock
$0Common stock
$360Surplus
$1,640Undivided profits
Memoranda
$5,063Noncurrent loans and leases
$5,058Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$216Earning assets
$0Long-term assets (5+ years)
$476Average Assets, year-to-date
$42,771Average Assets, quarterly
$5,652Volatile liabilities
$45,898Insider loans
$46,224FHLB advances
$7,848Loans and leases held for sale
$523Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,058Total unused commitments
$0Restructured Loans and leases
$232Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$2,025Total interest income
$755Total interest expense
$1,270Net interest income
$0Provision for loan and lease losses
$165Total noninterest income
$0Fiduciary activities
$111Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$772Total noninterest expense
$444Salaries and employee benefits
$63Premises and equipment expense
$265Additional noninterest expense
$663Pre-tax net operating income
$3Securities gains (losses)
$18Applicable income taxes
$648Income before extraordinary items
$0Extraordinary gains - net
$648Net income attributable to bank
$0Net charge-offs
$648Cash dividends
$119Sale, conversion, retirement of capital stock, net
$1,206Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.79%Yield on earning assets
1.79%Cost of funding earning assets
3.01%Net interest margin
0.39%Noninterest income to earning assets
1.83%Noninterest expense to earning assets
1.41%Net operating income to assets
1.41%Return on assets (ROA)
1.45%Pretax return on assets
8.42%Return on equity (ROE)
-7.25%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
5.57%Efficiency ratio
53,798Assets per employee
5.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
186.11%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
107.41%Noncurrent assets plus other real estate owned to assets
0.59%Noncurrent loans to loans
0.92%Net loans and leases to deposits
57.38%Net loans and leases to core deposits
71.18%Equity capital to assets
14.84%Core capital (leverage) ratio
15.06%Tier 1 risk-based capital ratio
20.45%Total risk-based capital ratio
Memoranda
$21Average assets
$45,898Average earning assets
$7,697Average equity
$42,246Average loans
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