FDIC Certificate #: 34540 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank of Omaha (#5452) Federal Reserve ID: 2689191 Date Established: April 27, 1998 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 59047 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: April 27, 1998 Last Structure Change Effective Date: March 30, 2010 Last Structure Change Process Date: April 09, 2010 Last Data Update: April 09, 2010 Data Source Date: April 05, 2012
Location
Address: 1620 Dodge St, Omaha, NE 68102 County: Douglas 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 Metropolitan Statistical Area (MSA): Omaha, NE-IA (#5920) Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420) Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540) CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
Financial Summary
Total assets: $384.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
1Total employees (full-time equivalent)
$384,814Total assets
$6,477Cash and due from depository institutions
$3,545Interest-bearing balances
$0Securities
$17,038Federal funds sold & reverse repurchase agreements
$32,051Net loans & leases
$11,739Loan loss allowance
$271,555Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$13,086Goodwill and other intangibles
$0Life insurance assets
$44,607All other assets
$384,814Total liabilities and capital
$305,059Total liabilities
$285,414Total deposits
$283,777Interest-bearing deposits
$285,414Deposits held in domestic offices
16.51%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$19,645All other liabilities
$79,755Total equity capital
$79,755Total bank equity capital
$79,755Perpetual preferred stock
$0Common stock
$5,000Surplus
$38,628Undivided profits
Memoranda
$36,127Noncurrent loans and leases
$2,713,921Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,776Earning assets
$0Long-term assets (5+ years)
$2,271Average Assets, year-to-date
$324,189Average Assets, quarterly
$0Volatile liabilities
$398,566Insider loans
$427,551FHLB advances
$242,000Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,713,921Total unused commitments
$0Restructured Loans and leases
$7,236Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$47,512Total interest income
$7,601Total interest expense
$39,911Net interest income
$22,367Provision for loan and lease losses
$67,248Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$67,248Additional noninterest income
$61,481Total noninterest expense
$306Salaries and employee benefits
$1,953Premises and equipment expense
$59,222Additional noninterest expense
$23,311Pre-tax net operating income
$0Securities gains (losses)
$9,531Applicable income taxes
$13,780Income before extraordinary items
$0Extraordinary gains - net
$13,780Net income attributable to bank
$0Net charge-offs
$13,780Cash dividends
$15,185Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
14.21%Yield on earning assets
2.27%Cost of funding earning assets
11.94%Net interest margin
20.12%Noninterest income to earning assets
18.39%Noninterest expense to earning assets
3.46%Net operating income to assets
3.46%Return on assets (ROA)
5.85%Pretax return on assets
21.00%Return on equity (ROE)
21.00%Retained earnings to average equity (YTD only)
7.01%Net charge-offs to loans
147.30%Credit loss provision to net charge-offs
3.01%Efficiency ratio
53,399Assets per employee
384.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
26.81%Loss allowance to noncurrent loans
660.98%Noncurrent assets plus other real estate owned to assets
2.30%Noncurrent loans to loans
4.06%Net loans and leases to deposits
11.23%Net loans and leases to core deposits
73.83%Equity capital to assets
20.73%Core capital (leverage) ratio
17.09%Tier 1 risk-based capital ratio
18.33%Total risk-based capital ratio
Memoranda
$20Average assets
$398,566Average earning assets
$65,617Average equity
$334,245Average loans
Bank Assets Sold and Securitized (December 31, 2009)
Dollar figures in thousands
Principal balance with servicing or other recourse retained
$01-4 family residential loans
$0Home equity lines
$311,688Credit cards receivables
$0Auto loans
$0Other consumer loans
$0Commercial and industrial loans
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