FDIC Certificate #: 15630 Status: Active Federal Reserve ID: 852133 Bank Holding Company (Regulatory Top Holder): Nbe Bancshares, Inc (RSSDID: 1207178, Location: Earlville, IL) Date Established: December 03, 1938 WWW:http://www.nbebancshares.com Trust Powers Granted: Yes 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 #: 9910 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: December 03, 1938 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: 137 South Main Street, Earlville, IL 60518 County: La Salle Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $61.5 mil Equity capital: $9.1 mil Deposits held in domestic offices: $45.4 mil Return on assets (ROA): -0.16% (-$0.1 mil) Quarterly return on assets: -0.02% (-$0.0 mil) Return on Equity (ROE): -1.02% (-$0.1 mil) Quarterly return on equity: -0.13% (-$0.0 mil) Net income: -$0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.31% (-$190.7 mil) Quarterly Pretax return on assets: -0.60% (-$369.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$61,506Total assets
$4,694Cash and due from depository institutions
$345Interest-bearing balances
$7,638Securities
$4,160Federal funds sold & reverse repurchase agreements
$40,481Net loans & leases
$580Loan loss allowance
$0Trading account assets
$333Bank premises and fixed assets
$1,701Other real estate owned
$0Goodwill and other intangibles
$61,506Life insurance assets
$2,499All other assets
$52,405Total liabilities and capital
$45,374Total liabilities
$38,426Total deposits
$45,374Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,500Trading liabilities
$0Other borrowed funds
$531Subordinated debt
$9,101All other liabilities
$9,101Total equity capital
$9,101Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$450Surplus
$8,251Undivided profits
Memoranda
$0Noncurrent loans and leases
$6,785Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$963Income earned, not collected on loans
$0Earning assets
$341Long-term assets (5+ years)
$52,624Average Assets, year-to-date
$17,919Average Assets, quarterly
$57,720Volatile liabilities
$58,464Insider loans
$41,612FHLB advances
$58,201Loans and leases held for sale
$1,188Unused loan commitments
$1,188Tier 1 (core) risk-based capital
$8,987Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,406Restructured Loans and leases
$390Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,419Total interest income
$464Total interest expense
$1,955Net interest income
$729Provision for loan and lease losses
$193Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$104Additional noninterest income
$1,599Total noninterest expense
$609Salaries and employee benefits
$170Premises and equipment expense
$820Additional noninterest expense
-$180Pre-tax net operating income
$1Securities gains (losses)
-$85Applicable income taxes
-$94Income before extraordinary items
$0Extraordinary gains - net
-$94Net income attributable to bank
$0Net charge-offs
-$94Cash dividends
$813Sale, conversion, retirement of capital stock, net
$195Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.85%Yield on earning assets
0.93%Cost of funding earning assets
3.92%Net interest margin
0.39%Noninterest income to earning assets
3.21%Noninterest expense to earning assets
-0.16%Net operating income to assets
-0.16%Return on assets (ROA)
-0.31%Pretax return on assets
-1.02%Return on equity (ROE)
-3.13%Retained earnings to average equity (YTD only)
2.05%Net charge-offs to loans
89.67%Credit loss provision to net charge-offs
0.68%Efficiency ratio
74,441Assets per employee
4.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
-207.45%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
60.23%Noncurrent assets plus other real estate owned to assets
4.33%Noncurrent loans to loans
2.35%Net loans and leases to deposits
89.22%Net loans and leases to core deposits
96.93%Equity capital to assets
14.80%Core capital (leverage) ratio
15.44%Tier 1 risk-based capital ratio
21.60%Total risk-based capital ratio
Memoranda
$23Average assets
$57,720Average earning assets
$9,243Average equity
$49,850Average loans
Total Fiduciary and Related Assets (December 31, 2010)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$12Managed Assets
1Number of Accounts
$12Personal trust and agency accounts
$12Employee 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
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9910
National Bank Of Earlville
137 South Main Street, Earlville, IL 60518
December 03, 1938
Full Service Brick and Mortar
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