FDIC Certificate #: 11477 Status: Active Federal Reserve ID: 979151 Date Established: January 01, 1905 WWW:http://www.auburnstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7333 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 23, 2007 Last Structure Change Process Date: May 23, 2007 Last Data Update: May 23, 2007 Data Source Date: April 05, 2012
Location
Address: 1212 J Street, Auburn, NE 68305 County: Nemaha 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
History of Changes
Change in Location
Financial Summary
Total assets: $88.0 mil Equity capital: $17.1 mil Deposits held in domestic offices: $68.5 mil Return on assets (ROA): 1.09% ($1.0 mil) Quarterly return on assets: 0.66% ($0.6 mil) Return on Equity (ROE): 5.67% ($1.0 mil) Quarterly return on equity: 3.45% ($0.6 mil) Net income: $0.9 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.40% ($1,232.2 mil) Quarterly Pretax return on assets: 0.73% ($642.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$88,014Total assets
$6,641Cash and due from depository institutions
$3,925Interest-bearing balances
$28,010Securities
$0Federal funds sold & reverse repurchase agreements
$49,025Net loans & leases
$507Loan loss allowance
$0Trading account assets
$549Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$88,014Life insurance assets
$3,789All other assets
$70,931Total liabilities and capital
$68,492Total liabilities
$58,885Total deposits
$68,492Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,733Trading liabilities
$0Other borrowed funds
$706Subordinated debt
$17,083All other liabilities
$17,083Total equity capital
$17,083Total bank equity capital
$0Perpetual preferred stock
$900Common stock
$1,500Surplus
$14,683Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$100Income earned, not collected on loans
$0Earning assets
$852Long-term assets (5+ years)
$80,960Average Assets, year-to-date
$19,614Average Assets, quarterly
$87,237Volatile liabilities
$88,451Insider loans
$54,988FHLB advances
$88,704Loans and leases held for sale
$2,172Unused loan commitments
$1,657Tier 1 (core) risk-based capital
$16,795Tier 2 risk-based capital
$0Total risk weighted assets
$515Total unused commitments
$5,839Restructured Loans and leases
$593Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,824Total interest income
$730Total interest expense
$3,094Net interest income
$209Provision for loan and lease losses
$378Total noninterest income
$0Fiduciary activities
$224Service charges on deposit accounts
$0Trading account gains & fees
$154Additional noninterest income
$2,040Total noninterest expense
$1,355Salaries and employee benefits
$140Premises and equipment expense
$545Additional noninterest expense
$1,223Pre-tax net operating income
$0Securities gains (losses)
$276Applicable income taxes
$947Income before extraordinary items
$0Extraordinary gains - net
$947Net income attributable to bank
$0Net charge-offs
$947Cash dividends
$231Sale, conversion, retirement of capital stock, net
$360Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.74%Yield on earning assets
0.91%Cost of funding earning assets
3.84%Net interest margin
0.47%Noninterest income to earning assets
2.53%Noninterest expense to earning assets
1.09%Net operating income to assets
1.09%Return on assets (ROA)
1.40%Pretax return on assets
5.67%Return on equity (ROE)
3.51%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
90.48%Credit loss provision to net charge-offs
6.20%Efficiency ratio
58,756Assets per employee
4.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.01%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
507.00%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.20%Net loans and leases to deposits
71.58%Net loans and leases to core deposits
73.00%Equity capital to assets
19.41%Core capital (leverage) ratio
18.93%Tier 1 risk-based capital ratio
30.54%Total risk-based capital ratio
Memoranda
$31Average assets
$87,237Average earning assets
$16,706Average equity
$80,641Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7333
Auburn State Bank
1212 J Street, Auburn, NE 68305
January 01, 1905
Full Service Brick and Mortar
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