Adams County Bank in Kenesaw, Nebraska (NE)

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Adams County Bank routing number info

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Adams County Bank
GeneralFDIC Certificate #: 14311
Status: Active
Federal Reserve ID: 9553
Bank Holding Company (Regulatory Top Holder): First Kenesaw Company (RSSDID: 1053870, Location: Kenesaw, NE)
Date Established: January 01, 1878
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 8938
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: August 05, 2010
Last Data Update: August 05, 2010
Data Source Date: April 05, 2012
LocationAddress: 401 N. Smith Avenue, Kenesaw, NE 68956
County: Adams
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
Core Based Statistical Area (CBSA): Hastings, NE (#25580)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Financial SummaryTotal assets: $122.5 mil
Equity capital: $9.5 mil
Deposits held in domestic offices: $80.5 mil
Return on assets (ROA): 0.98% ($1.2 mil)
Quarterly return on assets: 0.64% ($0.8 mil)
Return on Equity (ROE): 12.09% ($1.2 mil)
Quarterly return on equity: 8.22% ($0.8 mil)
Net income: $1.1 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.31% ($1,604.5 mil)
Quarterly Pretax return on assets: 0.72% ($881.9 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)
Total employees (full-time equivalent)15
Total assets$122,484
Cash and due from depository institutions$9,461
Interest-bearing balances$4,675
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$76,884
Loan loss allowance $791
Trading account assets$0
Bank premises and fixed assets$1,443
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$4,573
Life insurance assets$122,484
Total liabilities and capital$112,969
Total liabilities$80,545
Total deposits$64,546
Interest-bearing deposits$80,545
Deposits held in domestic offices$93
% insured (estimated)11310.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$19,218
Other borrowed funds $0
Subordinated debt $1,896
All other liabilities $9,515
Total equity capital$9,515
Total bank equity capital$9,515
Perpetual preferred stock$0
Common stock$400
Undivided profits $7,915
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $496
Earning assets $0
Long-term assets (5+ years) $1,837
Average Assets, year-to-date $111,682
Average Assets, quarterly $37,263
Volatile liabilities $109,592
Insider loans $120,350
FHLB advances $89,564
Loans and leases held for sale $117,921
Unused loan commitments $912
Tier 1 (core) risk-based capital $912
Tier 2 risk-based capital $9,339
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $26,739
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,318
Total interest expense $900
Net interest income $3,418
Provision for loan and lease losses $0
Total noninterest income $224
Fiduciary activities $0
Service charges on deposit accounts $98
Trading account gains & fees $0
Additional noninterest income $126
Total noninterest expense $2,209
Salaries and employee benefits $1,333
Premises and equipment expense $274
Additional noninterest expense $602
Pre-tax net operating income $1,433
Securities gains (losses) $0
Applicable income taxes $360
Income before extraordinary items $1,073
Extraordinary gains - net $0
Net income attributable to bank $1,073
Net charge-offs $0
Cash dividends $1,073
Sale, conversion, retirement of capital stock, net $32
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 assets4.26%
Cost of funding earning assets 0.89%
Net interest margin 3.38%
Noninterest income to earning assets 0.22%
Noninterest expense to earning assets 2.18%
Net operating income to assets 0.98%
Return on assets (ROA) 0.98%
Pretax return on assets 1.31%
Return on equity (ROE) 12.09%
Retained earnings to average equity (YTD only) 12.09%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio44.78%
Assets per employee$60,653
Cash dividends to net income (YTD only)8.17%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.02%
Noncurrent assets plus other real estate owned to assets 159.48%
Noncurrent loans to loans 0.40%
Net loans and leases to deposits0.64%
Net loans and leases to core deposits 95.45%
Equity capital to assets 99.68%
Core capital (leverage) ratio 7.77%
Tier 1 risk-based capital ratio 7.92%
Total risk-based capital ratio 10.43%
Average assets$11
Average earning assets$109,592
Average equity $8,873
Average loans $101,244
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2 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08938Adams County Bank401 N. Smith Avenue, Kenesaw, NE 68956January 01, 1878Full Service Brick and Mortar
1231282Juniata Branch1307 North Brass Avenue, Juniata, NE 68955June 24, 1996Full Service Brick and Mortar
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