FDIC Certificate #: 14058 Status: Active Federal Reserve ID: 733559 Bank Holding Company (Regulatory Top Holder): Rae Valley Financials, Inc. (RSSDID: 2761480, Location: Petersburg, NE) Date Established: December 04, 1920 WWW:http://www.petersburgstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8786 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: March 13, 1934 Last Structure Change Effective Date: May 12, 2006 Last Structure Change Process Date: May 12, 2006 Last Data Update: May 12, 2006 Data Source Date: April 05, 2012
Location
Address: 140 Main Street, Petersburg, NE 68652 County: Boone 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: $32.8 mil Equity capital: $2.6 mil Deposits held in domestic offices: $30.1 mil Return on assets (ROA): 1.36% ($0.4 mil) Quarterly return on assets: 0.16% ($0.1 mil) Return on Equity (ROE): 17.31% ($0.5 mil) Quarterly return on equity: 1.97% ($0.1 mil) Net income: $0.4 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.36% ($446.5 mil) Quarterly Pretax return on assets: 0.16% ($52.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$32,831Total assets
$2,308Cash and due from depository institutions
$250Interest-bearing balances
$2,266Securities
$0Federal funds sold & reverse repurchase agreements
$27,314Net loans & leases
$324Loan loss allowance
$0Trading account assets
$184Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$32,831Life insurance assets
$759All other assets
$30,201Total liabilities and capital
$30,134Total liabilities
$26,179Total deposits
$30,134Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$67Subordinated debt
$2,630All other liabilities
$2,630Total equity capital
$2,630Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$1,100Surplus
$1,230Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$408Income earned, not collected on loans
$0Earning assets
$493Long-term assets (5+ years)
$29,830Average Assets, year-to-date
$1,984Average Assets, quarterly
$32,770Volatile liabilities
$33,043Insider loans
$25,213FHLB advances
$33,611Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,630Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,464Restructured Loans and leases
$514Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,573Total interest income
$335Total interest expense
$1,238Net interest income
$0Provision for loan and lease losses
$98Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$26Additional noninterest income
$889Total noninterest expense
$470Salaries and employee benefits
$138Premises and equipment expense
$281Additional noninterest expense
$447Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$447Income before extraordinary items
$0Extraordinary gains - net
$447Net income attributable to bank
$0Net charge-offs
$447Cash dividends
$1Sale, conversion, retirement of capital stock, net
$278Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
1.11%Cost of funding earning assets
4.09%Net interest margin
0.32%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
1.36%Net operating income to assets
1.36%Return on assets (ROA)
1.36%Pretax return on assets
17.31%Return on equity (ROE)
6.54%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
447.00%Efficiency ratio
66,542Assets per employee
5.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.19%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
79.41%Noncurrent assets plus other real estate owned to assets
1.24%Noncurrent loans to loans
1.48%Net loans and leases to deposits
90.64%Net loans and leases to core deposits
99.72%Equity capital to assets
8.01%Core capital (leverage) ratio
7.82%Tier 1 risk-based capital ratio
10.43%Total risk-based capital ratio
Memoranda
$12Average assets
$32,770Average earning assets
$2,583Average equity
$30,282Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8786
Petersburg State Bank
140 Main Street, Petersburg, NE 68652
December 04, 1920
Full Service Brick and Mortar
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