Adams State Bank in Adams, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Adams State Bank in Adams, Nebraska (NE)
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Adams State Bank - Overview

  • General
  • FDIC Certificate #: 9812
    Status: Active
    Federal Reserve ID: 332756
    Date Established: January 18, 1918
    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 #: 6284
    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: 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: 649 Main Street, Adams, NE 68301
    County: Gage
    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: West
    Core Based Statistical Area (CBSA): Beatrice, NE (#13100)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $38.4 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $28.7 mil
    Return on assets (ROA): 1.64% ($0.6 mil)
    Quarterly return on assets: 1.05% ($0.4 mil)
    Return on Equity (ROE): 8.47% ($0.7 mil)
    Quarterly return on equity: 5.23% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.68% ($644.9 mil)
    Quarterly Pretax return on assets: 1.08% ($414.6 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
  • 8Total employees (full-time equivalent)
  • $38,388Total assets
  • $2,625Cash and due from depository institutions
  • $1,703Interest-bearing balances
  • $10,471Securities
  • $55Federal funds sold & reverse repurchase agreements
  • $23,637Net loans & leases
  • $193Loan loss allowance
  • $0Trading account assets
  • $845Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $38,388Life insurance assets
  • $755All other assets
  • $30,681Total liabilities and capital
  • $28,726Total liabilities
  • $24,333Total deposits
  • $28,726Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,900Trading liabilities
  • $0Other borrowed funds
  • $55Subordinated debt
  • $7,707All other liabilities
  • $7,707Total equity capital
  • $7,707Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,000Surplus
  • $4,607Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $456Long-term assets (5+ years)
  • $35,866Average Assets, year-to-date
  • $18,358Average Assets, quarterly
  • $38,437Volatile liabilities
  • $38,613Insider loans
  • $29,373FHLB advances
  • $38,845Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,557Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,336Restructured Loans and leases
  • $1,198Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,784Total interest income
  • $354Total interest expense
  • $1,430Net interest income
  • $0Provision for loan and lease losses
  • $167Total noninterest income
  • $0Fiduciary activities
  • $88Service charges on deposit accounts
  • $0Trading account gains & fees
  • $79Additional noninterest income
  • $966Total noninterest expense
  • $596Salaries and employee benefits
  • $204Premises and equipment expense
  • $166Additional noninterest expense
  • $631Pre-tax net operating income
  • $13Securities gains (losses)
  • $14Applicable income taxes
  • $630Income before extraordinary items
  • $0Extraordinary gains - net
  • $630Net income attributable to bank
  • $0Net charge-offs
  • $630Cash dividends
  • -$8Sale, conversion, retirement of capital stock, net
  • $280Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 1.61%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 8.47%Return on equity (ROE)
  • 4.71%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 60,488Assets per employee
  • 4.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.44%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 82.28%Net loans and leases to core deposits
  • 86.26%Equity capital to assets
  • 20.08%Core capital (leverage) ratio
  • 19.45%Tier 1 risk-based capital ratio
  • 25.73%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $38,437Average earning assets
  • $7,436Average equity
  • $36,082Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06284Adams State Bank649 Main Street, Adams, NE 68301January 18, 1918Full Service Brick and Mortar

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