American Exchange Bank in Elmwood, Nebraska (NE)



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American Exchange Bank routing number info

Table of contents:
American Exchange Bank
GeneralFDIC Certificate #: 10647
Status: Active
Federal Reserve ID: 1014451
Bank Holding Company (Regulatory Top Holder): American Exchange Company (RSSDID: 1061950, Location: Elmwood, NE)
Date Established: July 13, 1889
WWW: http://www.aebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 52808
FDIC's unique #: 6829
Numeric code: 13
Regulator: FED
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
LocationAddress: 151 North 4th Street, Elmwood, NE 68349
County: Cass
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
Metropolitan Statistical Area (MSA): Omaha, NE-IA (#5920)
Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $41.6 mil
Equity capital: $4.9 mil
Deposits held in domestic offices: $33.0 mil
Return on assets (ROA): 1.37% ($0.6 mil)
Quarterly return on assets: -0.12% (-$0.1 mil)
Return on Equity (ROE): 11.27% ($0.6 mil)
Quarterly return on equity: -1.03% (-$0.1 mil)
Net income: $0.6 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 1.37% ($569.5 mil)
Quarterly Pretax return on assets: -0.12% (-$49.9 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)9
Total assets$41,568
Cash and due from depository institutions$3,351
Interest-bearing balances$250
Securities$11,865
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$25,392
Loan loss allowance $515
Trading account assets$0
Bank premises and fixed assets$75
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$885
Life insurance assets$41,568
Total liabilities and capital$36,635
Total liabilities$33,005
Total deposits$24,046
Interest-bearing deposits$33,005
Deposits held in domestic offices$100
% insured (estimated)150.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,431
Other borrowed funds $0
Subordinated debt $49
All other liabilities $4,933
Total equity capital$4,933
Total bank equity capital$4,933
Perpetual preferred stock$0
Common stock$100
Surplus$3,900
Undivided profits $933
Memoranda
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 $492
Earning assets $0
Long-term assets (5+ years) $547
Average Assets, year-to-date $37,507
Average Assets, quarterly $4,713
Volatile liabilities $40,456
Insider loans $41,871
FHLB advances $27,086
Loans and leases held for sale $43,502
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,691
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,661
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,968
Total interest expense $317
Net interest income $1,651
Provision for loan and lease losses $0
Total noninterest income $88
Fiduciary activities $0
Service charges on deposit accounts $38
Trading account gains & fees $0
Additional noninterest income $50
Total noninterest expense $1,186
Salaries and employee benefits $729
Premises and equipment expense $204
Additional noninterest expense $253
Pre-tax net operating income $553
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $553
Extraordinary gains - net $0
Net income attributable to bank $553
Net charge-offs $0
Cash dividends $553
Sale, conversion, retirement of capital stock, net -$13
Net operating income $400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.25%
Cost of funding earning assets 0.85%
Net interest margin 4.41%
Noninterest income to earning assets 0.23%
Noninterest expense to earning assets 3.17%
Net operating income to assets 1.37%
Return on assets (ROA) 1.37%
Pretax return on assets 1.37%
Return on equity (ROE) 11.27%
Retained earnings to average equity (YTD only) 3.12%
Net charge-offs to loans -0.05%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$68,200
Cash dividends to net income (YTD only)4.62%
Condition Ratios (%)
Loss allowance to loans 72.33%
Loss allowance to noncurrent loans 1.99%
Noncurrent assets plus other real estate owned to assets 104.67%
Noncurrent loans to loans 1.18%
Net loans and leases to deposits1.90%
Net loans and leases to core deposits 76.93%
Equity capital to assets 78.22%
Core capital (leverage) ratio 11.87%
Tier 1 risk-based capital ratio 10.78%
Total risk-based capital ratio 17.32%
Memoranda
Average assets$19
Average earning assets$40,456
Average equity $4,908
Average loans $37,471
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2 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06829American Exchange Bank151 North 4th Street, Elmwood, NE 68349July 13, 1889Full Service Brick and Mortar
1363406Elmwood Branch440 D Street, Eagle, NE 68347September 10, 2001Full Service Brick and Mortar
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