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


Ashton State Bank - Overview

  • General
  • FDIC Certificate #: 1436
    Status: Active
    Federal Reserve ID: 336950
    Date Established: December 02, 1908
    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 #: 954
    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: No
    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: 295 Center Ave., Ashton, NE 68817
    County: Sherman
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $18.4 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $16.0 mil
    Return on assets (ROA): 0.84% ($0.2 mil)
    Quarterly return on assets: 1.26% ($0.2 mil)
    Return on Equity (ROE): 9.07% ($0.2 mil)
    Quarterly return on equity: 13.57% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.15% ($211.7 mil)
    Quarterly Pretax return on assets: 1.47% ($270.6 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
  • 4Total employees (full-time equivalent)
  • $18,410Total assets
  • $7,265Cash and due from depository institutions
  • $6,517Interest-bearing balances
  • $900Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,608Net loans & leases
  • $120Loan loss allowance
  • $0Trading account assets
  • $150Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,410Life insurance assets
  • $487All other assets
  • $16,641Total liabilities and capital
  • $16,044Total liabilities
  • $13,582Total deposits
  • $16,044Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 500.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $97Subordinated debt
  • $1,769All other liabilities
  • $1,769Total equity capital
  • $1,769Total bank equity capital
  • $0Perpetual preferred stock
  • $25Common stock
  • $575Surplus
  • $1,169Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $304Income earned, not collected on loans
  • $248Earning assets
  • $411Long-term assets (5+ years)
  • $17,025Average Assets, year-to-date
  • $4,879Average Assets, quarterly
  • $18,253Volatile liabilities
  • $18,778Insider loans
  • $11,782FHLB advances
  • $18,882Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,769Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,541Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $806Total interest income
  • $215Total interest expense
  • $591Net interest income
  • $8Provision for loan and lease losses
  • $76Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $449Total noninterest expense
  • $295Salaries and employee benefits
  • $48Premises and equipment expense
  • $106Additional noninterest expense
  • $210Pre-tax net operating income
  • $0Securities gains (losses)
  • $57Applicable income taxes
  • $153Income before extraordinary items
  • $0Extraordinary gains - net
  • $153Net income attributable to bank
  • $0Net charge-offs
  • $153Cash dividends
  • $48Sale, conversion, retirement of capital stock, net
  • $12Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 9.07%Return on equity (ROE)
  • 8.36%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 16.67%Credit loss provision to net charge-offs
  • 4.54%Efficiency ratio
  • 67,316Assets per employee
  • 4.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.84%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 39.47%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 3.13%Net loans and leases to deposits
  • 59.89%Net loans and leases to core deposits
  • 63.87%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 9.37%Tier 1 risk-based capital ratio
  • 15.01%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $18,253Average earning assets
  • $1,686Average equity
  • $16,655Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0954Ashton State Bank295 Center Ave., Ashton, NE 68817December 02, 1908Full Service Brick and Mortar

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