Amfirst Bank, National Association in Mccook, Nebraska (NE), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

Amfirst Bank, National Association - Overview

  • General
  • FDIC Certificate #: 5417
    Status: Active
    Federal Reserve ID: 278957
    Bank Holding Company (Regulatory Top Holder): Amfirst Financial Services, Inc. (RSSDID: 1059676, Location: Mccook, NE)
    Date Established: January 01, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 14395
    FDIC's unique #: 3662
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 08, 2006
    Last Structure Change Process Date: October 12, 2006
    Last Data Update: October 12, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 602 West B Street, Mccook, NE 69001
    County: Red Willow
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $248.7 mil
    Equity capital: $24.4 mil
    Deposits held in domestic offices: $218.5 mil
    Return on assets (ROA): 1.02% ($2.5 mil)
    Quarterly return on assets: 0.98% ($2.4 mil)
    Return on Equity (ROE): 10.97% ($2.6 mil)
    Quarterly return on equity: 9.96% ($2.4 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.04% ($2,586.8 mil)
    Quarterly Pretax return on assets: 1.01% ($2,512.2 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
  • 57Total employees (full-time equivalent)
  • $248,730Total assets
  • $7,834Cash and due from depository institutions
  • $93Interest-bearing balances
  • $29,465Securities
  • $12,900Federal funds sold & reverse repurchase agreements
  • $174,141Net loans & leases
  • $3,150Loan loss allowance
  • $0Trading account assets
  • $7,260Bank premises and fixed assets
  • $5,028Other real estate owned
  • $559Goodwill and other intangibles
  • $248,730Life insurance assets
  • $11,543All other assets
  • $224,329Total liabilities and capital
  • $218,493Total liabilities
  • $179,979Total deposits
  • $218,493Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,170Trading liabilities
  • $0Other borrowed funds
  • $1,666Subordinated debt
  • $24,401All other liabilities
  • $24,401Total equity capital
  • $24,401Total bank equity capital
  • $0Perpetual preferred stock
  • $1,150Common stock
  • $13,136Surplus
  • $10,115Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,581Income earned, not collected on loans
  • $144Earning assets
  • $2,326Long-term assets (5+ years)
  • $216,599Average Assets, year-to-date
  • $47,424Average Assets, quarterly
  • $248,418Volatile liabilities
  • $245,849Insider loans
  • $190,339FHLB advances
  • $242,992Loans and leases held for sale
  • $4,986Unused loan commitments
  • $2,630Tier 1 (core) risk-based capital
  • $23,233Tier 2 risk-based capital
  • $2,356Total risk weighted assets
  • $0Total unused commitments
  • $51,071Restructured Loans and leases
  • $36Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,966Total interest income
  • $2,846Total interest expense
  • $10,120Net interest income
  • $562Provision for loan and lease losses
  • $776Total noninterest income
  • $0Fiduciary activities
  • $487Service charges on deposit accounts
  • $0Trading account gains & fees
  • $289Additional noninterest income
  • $7,795Total noninterest expense
  • $4,111Salaries and employee benefits
  • $1,520Premises and equipment expense
  • $2,164Additional noninterest expense
  • $2,539Pre-tax net operating income
  • $43Securities gains (losses)
  • $56Applicable income taxes
  • $2,526Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,526Net income attributable to bank
  • $0Net charge-offs
  • $2,526Cash dividends
  • $858Sale, conversion, retirement of capital stock, net
  • $211Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.96%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 4.65%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 10.97%Return on equity (ROE)
  • 10.05%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 65.50%Credit loss provision to net charge-offs
  • 3.61%Efficiency ratio
  • 71,540Assets per employee
  • 4.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.35%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 87.96%Noncurrent assets plus other real estate owned to assets
  • 3.46%Noncurrent loans to loans
  • 2.02%Net loans and leases to deposits
  • 79.70%Net loans and leases to core deposits
  • 84.76%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 9.56%Tier 1 risk-based capital ratio
  • 12.21%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $248,418Average earning assets
  • $23,026Average equity
  • $217,605Average loans

List of branches

  • 2 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4356842South Yosemite Branch5201 South Yosemite Street Suite 100, Greenwood Village, CO 80111June 23, 2000Full Service Brick and Mortar
    6470507South Main Street Branch916 South Main Street, Suite 100, Longmont, CO 80501November 30, 2007Full Service Brick and Mortar
  • 3 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03662Amfirst Bank, National Association602 West B Street, Mccook, NE 69001January 01, 1905Full Service Brick and Mortar
    116008Hayes Center BranchMain Street, Hayes Center, NE 69032July 16, 1979Full Service Brick and Mortar
    55321State Bank BranchMain Street, Benkelman, NE 69021January 01, 1916Full Service Brick and Mortar

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