American Exchange Bank in Elmwood, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • American Exchange Bank in Elmwood, Nebraska (NE)
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American Exchange Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 9Total employees (full-time equivalent)
  • $41,568Total assets
  • $3,351Cash and due from depository institutions
  • $250Interest-bearing balances
  • $11,865Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,392Net loans & leases
  • $515Loan loss allowance
  • $0Trading account assets
  • $75Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $41,568Life insurance assets
  • $885All other assets
  • $36,635Total liabilities and capital
  • $33,005Total liabilities
  • $24,046Total deposits
  • $33,005Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 150.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,431Trading liabilities
  • $0Other borrowed funds
  • $49Subordinated debt
  • $4,933All other liabilities
  • $4,933Total equity capital
  • $4,933Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,900Surplus
  • $933Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $492Income earned, not collected on loans
  • $0Earning assets
  • $547Long-term assets (5+ years)
  • $37,507Average Assets, year-to-date
  • $4,713Average Assets, quarterly
  • $40,456Volatile liabilities
  • $41,871Insider loans
  • $27,086FHLB advances
  • $43,502Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,691Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,661Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,968Total interest income
  • $317Total interest expense
  • $1,651Net interest income
  • $0Provision for loan and lease losses
  • $88Total noninterest income
  • $0Fiduciary activities
  • $38Service charges on deposit accounts
  • $0Trading account gains & fees
  • $50Additional noninterest income
  • $1,186Total noninterest expense
  • $729Salaries and employee benefits
  • $204Premises and equipment expense
  • $253Additional noninterest expense
  • $553Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $553Income before extraordinary items
  • $0Extraordinary gains - net
  • $553Net income attributable to bank
  • $0Net charge-offs
  • $553Cash dividends
  • -$13Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 11.27%Return on equity (ROE)
  • 3.12%Retained earnings to average equity (YTD only)
  • -0.05%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,200Assets per employee
  • 4.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.33%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 104.67%Noncurrent assets plus other real estate owned to assets
  • 1.18%Noncurrent loans to loans
  • 1.90%Net loans and leases to deposits
  • 76.93%Net loans and leases to core deposits
  • 78.22%Equity capital to assets
  • 11.87%Core capital (leverage) ratio
  • 10.78%Tier 1 risk-based capital ratio
  • 17.32%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $40,456Average earning assets
  • $4,908Average equity
  • $37,471Average loans

List of branches

  • 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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