FDIC Certificate #: 11726 Status: Active Federal Reserve ID: 861742 Bank Holding Company (Regulatory Top Holder): Nbe Bancshares, Inc (RSSDID: 1207178, Location: Earlville, IL) Date Established: June 30, 1901 WWW:http://www.sbppil.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) OTS Docket #: 13220 FDIC's unique #: 7499 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 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: 235 Chicago Road, Paw Paw, IL 61353 County: Lee 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): Dixon, IL (#19940) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $27.2 mil Equity capital: $4.9 mil Deposits held in domestic offices: $20.1 mil Return on assets (ROA): -2.00% (-$0.5 mil) Quarterly return on assets: -1.32% (-$0.4 mil) Return on Equity (ROE): -10.88% (-$0.5 mil) Quarterly return on equity: -7.32% (-$0.4 mil) Net income: -$0.6 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -3.04% (-$826.0 mil) Quarterly Pretax return on assets: -2.27% (-$616.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
9Total employees (full-time equivalent)
$27,172Total assets
$2,259Cash and due from depository institutions
$312Interest-bearing balances
$3,823Securities
$0Federal funds sold & reverse repurchase agreements
$17,338Net loans & leases
$282Loan loss allowance
$0Trading account assets
$339Bank premises and fixed assets
$1,772Other real estate owned
$79Goodwill and other intangibles
$27,172Life insurance assets
$1,562All other assets
$22,237Total liabilities and capital
$20,098Total liabilities
$16,368Total deposits
$20,098Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$139Subordinated debt
$4,935All other liabilities
$4,935Total equity capital
$4,935Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,917Surplus
$2,818Undivided profits
Memoranda
$0Noncurrent loans and leases
$5,038Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,942Income earned, not collected on loans
$0Earning assets
$218Long-term assets (5+ years)
$21,473Average Assets, year-to-date
$2,789Average Assets, quarterly
$27,540Volatile liabilities
$27,669Insider loans
$19,556FHLB advances
$26,265Loans and leases held for sale
$387Unused loan commitments
$387Tier 1 (core) risk-based capital
$4,743Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$850Restructured Loans and leases
$103Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,175Total interest income
$170Total interest expense
$1,005Net interest income
$529Provision for loan and lease losses
$72Total noninterest income
$0Fiduciary activities
$27Service charges on deposit accounts
$0Trading account gains & fees
$45Additional noninterest income
$1,386Total noninterest expense
$501Salaries and employee benefits
$135Premises and equipment expense
$750Additional noninterest expense
-$838Pre-tax net operating income
$0Securities gains (losses)
-$286Applicable income taxes
-$552Income before extraordinary items
$0Extraordinary gains - net
-$552Net income attributable to bank
$0Net charge-offs
-$552Cash dividends
$884Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.13%Yield on earning assets
0.74%Cost of funding earning assets
4.39%Net interest margin
0.31%Noninterest income to earning assets
6.05%Noninterest expense to earning assets
-2.00%Net operating income to assets
-2.00%Return on assets (ROA)
-3.04%Pretax return on assets
-10.88%Return on equity (ROE)
-10.88%Retained earnings to average equity (YTD only)
4.85%Net charge-offs to loans
59.84%Credit loss provision to net charge-offs
-0.35%Efficiency ratio
128,691Assets per employee
3.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
14.52%Noncurrent assets plus other real estate owned to assets
13.67%Noncurrent loans to loans
11.02%Net loans and leases to deposits
86.27%Net loans and leases to core deposits
87.13%Equity capital to assets
18.16%Core capital (leverage) ratio
18.06%Tier 1 risk-based capital ratio
24.25%Total risk-based capital ratio
Memoranda
$26Average assets
$27,540Average earning assets
$5,073Average equity
$22,903Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7499
State Bank Of Paw Paw, Illinois
235 Chicago Road, Paw Paw, IL 61353
June 30, 1901
Full Service Brick and Mortar
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