THE National Bank in Moline, Illinois (IL), IA, WI

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THE National Bank
GeneralFDIC Certificate #: 57918
Status: Active
Federal Reserve ID: 2949710
Bank Holding Company (Regulatory Top Holder): National Bancshares, Inc. (RSSDID: 2947882, Location: Bettendorf, IA)
Date Established: April 11, 2005
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: 29 (Domestic: 29, Interstate: Yes)
FDIC's unique #: 430991
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 11, 2005
Last Structure Change Effective Date: December 31, 2008
Last Structure Change Process Date: January 28, 2009
Last Data Update: January 28, 2009
Data Source Date: April 05, 2012
LocationAddress: 2040 1st Street A, Moline, IL 61265
County: Rock Island
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
Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960)
Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340)
CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $1,088.2 mil
Equity capital: $144.8 mil
Deposits held in domestic offices: $914.5 mil
Return on assets (ROA): 0.22% ($2.4 mil)
Quarterly return on assets: 0.65% ($7.1 mil)
Return on Equity (ROE): 1.77% ($2.6 mil)
Quarterly return on equity: 5.02% ($7.3 mil)
Net income: $2.6 mil
Quarterly Net income: $1.8 mil
Pretax return on assets: 0.25% ($2,720.4 mil)
Quarterly Pretax return on assets: 0.95% ($10,337.7 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)
Total employees (full-time equivalent)321
Total assets$1,088,175
Cash and due from depository institutions$125,886
Interest-bearing balances$108,068
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$587,076
Loan loss allowance $12,097
Trading account assets$0
Bank premises and fixed assets$24,304
Other real estate owned$10,081
Goodwill and other intangibles$47,734
All other assets$53,851
Life insurance assets$1,088,175
Total liabilities and capital$943,376
Total liabilities$914,535
Total deposits$808,990
Interest-bearing deposits$914,535
Deposits held in domestic offices$77
% insured (estimated)19988.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $3,853
All other liabilities $144,799
Total equity capital$144,799
Total bank equity capital$144,799
Perpetual preferred stock$0
Common stock$2,500
Undivided profits $3,445
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,318
Income earned, not collected on loans $27,780
Earning assets $42
Long-term assets (5+ years) $3,498
Average Assets, year-to-date $934,387
Average Assets, quarterly $96,716
Volatile liabilities $1,136,233
Insider loans $1,110,420
FHLB advances $716,509
Loans and leases held for sale $1,086,200
Unused loan commitments $29,788
Tier 1 (core) risk-based capital $7,194
Tier 2 risk-based capital $91,440
Total risk weighted assets $22,594
Total unused commitments $0
Restructured Loans and leases $66,168
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $43,190
Total interest expense $10,085
Net interest income $33,105
Provision for loan and lease losses $9,573
Total noninterest income $10,494
Fiduciary activities $456
Service charges on deposit accounts $3,418
Trading account gains & fees $0
Additional noninterest income $6,620
Total noninterest expense $32,812
Salaries and employee benefits $15,268
Premises and equipment expense $4,339
Additional noninterest expense $13,205
Pre-tax net operating income $1,214
Securities gains (losses) $1,645
Applicable income taxes $305
Income before extraordinary items $2,554
Extraordinary gains - net $0
Net income attributable to bank $2,554
Net charge-offs $0
Cash dividends $2,554
Sale, conversion, retirement of capital stock, net $12,276
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.43%
Cost of funding earning assets 1.04%
Net interest margin 3.40%
Noninterest income to earning assets 1.08%
Noninterest expense to earning assets 3.37%
Net operating income to assets 0.10%
Return on assets (ROA) 0.22%
Pretax return on assets 0.25%
Return on equity (ROE) 1.77%
Retained earnings to average equity (YTD only) 1.77%
Net charge-offs to loans 1.96%
Credit loss provision to net charge-offs 77.98%
Efficiency ratio0.88%
Assets per employee$72,621
Cash dividends to net income (YTD only)3.39%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.02%
Noncurrent assets plus other real estate owned to assets 43.55%
Noncurrent loans to loans 3.48%
Net loans and leases to deposits4.64%
Net loans and leases to core deposits 64.19%
Equity capital to assets 70.25%
Core capital (leverage) ratio 13.31%
Tier 1 risk-based capital ratio 8.42%
Total risk-based capital ratio 12.76%
Average assets$14
Average earning assets$1,136,233
Average equity $143,984
Average loans $973,984
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$65,728
Number of Accounts1
Personal trust and agency accounts$65,727
Employee benefit-defined contribution accounts$42,956
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$7,046
Investment management agency accounts$0
Other fiduciary accounts$14,117
Fiduciary accounts held in foreign offices$1,608
Non-managed Assets$0
Number of Accounts115
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$2,226
Employee benefit-defined benefit accounts$0
Other retirement accounts$1
Corporate trust and agency accounts$1
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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24 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0430991The National Bank2040 1st Street A, Moline, IL 61265April 11, 2005Full Service Brick and Mortar
27434Savanna/First Illinois Branch229 Main Street, Savanna, IL 61074December 31, 1933Full Service Brick and Mortar
39201Mount Carroll Branch309 North Clay Street, Mount Carroll, IL 61053August 14, 1934Full Service Brick and Mortar
811242Havana Branch101 West Main Street, Havana, IL 62644April 24, 1953Full Service Brick and Mortar
944222Canton Branch801 North Main Street, Canton, IL 61520January 01, 1912Full Service Brick and Mortar
10284510Sterling Branch215 Third Avenue, Sterling, IL 61081December 18, 1962Full Service Brick and Mortar
12433241Messenger Service #2 Branch801 North Main Street, Canton, IL 61520October 25, 2004Limited Service Messenger
15571911523 Eighth Street Branch1523 Eighth Street, East Moline, IL 61244January 21, 1997Full Service Brick and Mortar
16226333Moline Facility2115 48th Street, Moline, IL 61265April 30, 1979Full Service Brick and Mortar
1713357East Moline Branch701 42nd Avenue, East Moline, IL 61244March 01, 1966Full Service Brick and Mortar
18248839Rapid City Branch1700 2nd Avenue, Rapid City, IL 61278July 01, 1988Full Service Brick and Mortar
2044321Hampton Branch629 State Avenue, Hampton, IL 61256January 01, 1963Full Service Brick and Mortar
2144772Silvis Branch1300 John Deere Expressway, Silvis, IL 61282September 21, 1978Full Service Brick and Mortar
22226334Milan Branch102 East First Avenue, Milan, IL 61264December 15, 1995Full Service Brick and Mortar
23226336Wal-Mart Facility3930 44th Avenue, Moline, IL 61265April 24, 1996Full Service Retail
301198Chadwick/Mount Carroll Branch642 South East Street, Mount Carroll, IL 61053November 06, 1909Full Service Brick and Mortar
31190176Chadwick Facility123 Main Street, Chadwick, IL 61014March 18, 1988Full Service Brick and Mortar
32363596Morrison Branch211 West Main Street, Morrison, IL 61270March 25, 2002Full Service Brick and Mortar
33446970Rock Island Branch1800 Fifth Avenue, Rock Island, IL 61201October 03, 2005Full Service Brick and Mortar
34470529Lighthouse At Silvis Branch1900 10th Street, Silvis, IL 61282June 25, 2007Limited Service Retail
35473731Elgin Branch3151 Us Highway 20, Elgin, IL 60124March 05, 2008Full Service Brick and Mortar
36476032Yorkville Branch2611 North Bridge Street, Yorkville, IL 60560April 01, 2008Full Service Brick and Mortar
384931611451 20th Avenue Branch1451 20th Ave, East Moline, IL 61244June 15, 2006Limited Service Retail
39493162Crosstown Square Branch900 Crosstown Ave, Silvis, IL 61282June 15, 2006Limited Service Retail
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4 Iowa Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1358180Bettendorf Branch852 Middle Road, Duck Creek Mall, Space #101, Bettendorf, IA 52722January 22, 2001Full Service Brick and Mortar
6363353Messenger Branch - Iowa National852 Middle Road, Space #101, Bettendorf, IA 52722Febuary 18, 2002Limited Service Messenger
11428697Jersey Ridge Branch5210 Jersey Ridge Road, Davenport, IA 52807March 01, 2004Full Service Brick and Mortar
147687Metrobank Branch2322 East Kimberly Road, Davenport, IA 52807January 01, 1904Limited Service Loan Production
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1 Wisconsin Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
371632Pewaukee BranchN27w24025 Paul Court, Pewaukee, WI 53072January 01, 1913Full Service Brick and Mortar
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