Amfirst Bank, National Association in Mccook, Nebraska (NE), CO

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Amfirst Bank, National Association
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)57
Total assets$248,730
Cash and due from depository institutions$7,834
Interest-bearing balances$93
Federal funds sold & reverse repurchase agreements$12,900
Net loans & leases$174,141
Loan loss allowance $3,150
Trading account assets$0
Bank premises and fixed assets$7,260
Other real estate owned$5,028
Goodwill and other intangibles$559
All other assets$11,543
Life insurance assets$248,730
Total liabilities and capital$224,329
Total liabilities$218,493
Total deposits$179,979
Interest-bearing deposits$218,493
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,170
Other borrowed funds $0
Subordinated debt $1,666
All other liabilities $24,401
Total equity capital$24,401
Total bank equity capital$24,401
Perpetual preferred stock$0
Common stock$1,150
Undivided profits $10,115
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 $3,581
Earning assets $144
Long-term assets (5+ years) $2,326
Average Assets, year-to-date $216,599
Average Assets, quarterly $47,424
Volatile liabilities $248,418
Insider loans $245,849
FHLB advances $190,339
Loans and leases held for sale $242,992
Unused loan commitments $4,986
Tier 1 (core) risk-based capital $2,630
Tier 2 risk-based capital $23,233
Total risk weighted assets $2,356
Total unused commitments $0
Restructured Loans and leases $51,071
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,966
Total interest expense $2,846
Net interest income $10,120
Provision for loan and lease losses $562
Total noninterest income $776
Fiduciary activities $0
Service charges on deposit accounts $487
Trading account gains & fees $0
Additional noninterest income $289
Total noninterest expense $7,795
Salaries and employee benefits $4,111
Premises and equipment expense $1,520
Additional noninterest expense $2,164
Pre-tax net operating income $2,539
Securities gains (losses) $43
Applicable income taxes $56
Income before extraordinary items $2,526
Extraordinary gains - net $0
Net income attributable to bank $2,526
Net charge-offs $0
Cash dividends $2,526
Sale, conversion, retirement of capital stock, net $858
Net operating income $211
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.96%
Cost of funding earning assets 1.31%
Net interest margin 4.65%
Noninterest income to earning assets 0.36%
Noninterest expense to earning assets 3.58%
Net operating income to assets 1.00%
Return on assets (ROA) 1.02%
Pretax return on assets 1.04%
Return on equity (ROE) 10.97%
Retained earnings to average equity (YTD only) 10.05%
Net charge-offs to loans 0.47%
Credit loss provision to net charge-offs 65.50%
Efficiency ratio3.61%
Assets per employee$71,540
Cash dividends to net income (YTD only)4.36%
Condition Ratios (%)
Loss allowance to loans 8.35%
Loss allowance to noncurrent loans 1.78%
Noncurrent assets plus other real estate owned to assets 87.96%
Noncurrent loans to loans 3.46%
Net loans and leases to deposits2.02%
Net loans and leases to core deposits 79.70%
Equity capital to assets 84.76%
Core capital (leverage) ratio 9.81%
Tier 1 risk-based capital ratio 9.56%
Total risk-based capital ratio 12.21%
Average assets$13
Average earning assets$248,418
Average equity $23,026
Average loans $217,605
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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
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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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