The City National Bank of Shenandoah in Shenandoah, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The City National Bank of Shenandoah in Shenandoah, Iowa (IA)
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The City National Bank of Shenandoah - Overview

  • General
  • FDIC Certificate #: 14051
    Status: Active
    Federal Reserve ID: 305648
    Bank Holding Company (Regulatory Top Holder): Cnb Corp (RSSDID: 1205491, Location: Shenandoah, IA)
    Date Established: March 12, 1934
    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 #: 8783
    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: March 12, 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: 116 South Blossom Street, Shenandoah, IA 51601
    County: Page
    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: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.9 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $66.6 mil
    Return on assets (ROA): 0.87% ($0.7 mil)
    Quarterly return on assets: 0.85% ($0.7 mil)
    Return on Equity (ROE): 10.89% ($0.8 mil)
    Quarterly return on equity: 10.00% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.11% ($876.3 mil)
    Quarterly Pretax return on assets: 1.09% ($860.5 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
  • 17Total employees (full-time equivalent)
  • $78,944Total assets
  • $2,742Cash and due from depository institutions
  • $0Interest-bearing balances
  • $35,166Securities
  • $1,621Federal funds sold & reverse repurchase agreements
  • $36,257Net loans & leases
  • $442Loan loss allowance
  • $0Trading account assets
  • $770Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $78,945Life insurance assets
  • $2,388All other assets
  • $71,940Total liabilities and capital
  • $66,637Total liabilities
  • $49,462Total deposits
  • $66,637Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 1945.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $858Subordinated debt
  • $7,005All other liabilities
  • $7,005Total equity capital
  • $7,005Total bank equity capital
  • $0Perpetual preferred stock
  • $207Common stock
  • $1,596Surplus
  • $5,202Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17Income earned, not collected on loans
  • $0Earning assets
  • $745Long-term assets (5+ years)
  • $73,044Average Assets, year-to-date
  • $25,148Average Assets, quarterly
  • $74,274Volatile liabilities
  • $76,437Insider loans
  • $49,593FHLB advances
  • $77,227Loans and leases held for sale
  • $700Unused loan commitments
  • $700Tier 1 (core) risk-based capital
  • $6,726Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,804Restructured Loans and leases
  • $3,358Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,659Total interest income
  • $437Total interest expense
  • $2,222Net interest income
  • $20Provision for loan and lease losses
  • $336Total noninterest income
  • $0Fiduciary activities
  • $264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $72Additional noninterest income
  • $1,818Total noninterest expense
  • $1,017Salaries and employee benefits
  • $168Premises and equipment expense
  • $633Additional noninterest expense
  • $720Pre-tax net operating income
  • $105Securities gains (losses)
  • $182Applicable income taxes
  • $643Income before extraordinary items
  • $0Extraordinary gains - net
  • $643Net income attributable to bank
  • $0Net charge-offs
  • $643Cash dividends
  • -$6Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.85%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 10.89%Return on equity (ROE)
  • 10.89%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -333.33%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,071Assets per employee
  • 4.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 2600.00%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 54.41%Net loans and leases to core deposits
  • 55.75%Equity capital to assets
  • 8.87%Core capital (leverage) ratio
  • 8.71%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $74,274Average earning assets
  • $5,902Average equity
  • $69,086Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08783The City National Bank Of Shenandoah116 South Blossom Street, Shenandoah, IA 51601March 12, 1934Full Service Brick and Mortar

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