Bank of Dixon County in Ponca, Nebraska (NE)

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Bank of Dixon County routing number info

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Bank of Dixon County
GeneralFDIC Certificate #: 14912
Status: Active
Federal Reserve ID: 920359
Bank Holding Company (Regulatory Top Holder): Kingsbury Bdc Financial Services, Inc. (RSSDID: 2467942, Location: Ponca, NE)
Date Established: January 01, 1881
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 9339
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: December 10, 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
LocationAddress: 117 East Third Street, Ponca, NE 68770
County: Dixon
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Sioux City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Combined Statistical Area (CSA): Sioux City-Vermillion, IA-NE-SD (#512)
Core Based Statistical Area (CBSA): Sioux City, IA-NE-SD (#43580)
CBSA Metro Statistical Area: Sioux City, IA-NE-SD (#43580)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $73.9 mil
Equity capital: $7.4 mil
Deposits held in domestic offices: $66.1 mil
Return on assets (ROA): 0.83% ($0.6 mil)
Quarterly return on assets: 0.98% ($0.7 mil)
Return on Equity (ROE): 8.29% ($0.6 mil)
Quarterly return on equity: 9.82% ($0.7 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.99% ($731.1 mil)
Quarterly Pretax return on assets: 1.09% ($805.0 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)17
Total assets$73,851
Cash and due from depository institutions$12,616
Interest-bearing balances$8,296
Federal funds sold & reverse repurchase agreements$500
Net loans & leases$43,927
Loan loss allowance $632
Trading account assets$0
Bank premises and fixed assets$160
Other real estate owned$785
Goodwill and other intangibles$0
All other assets$1,186
Life insurance assets$73,851
Total liabilities and capital$66,455
Total liabilities$66,083
Total deposits$54,653
Interest-bearing deposits$66,083
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$50
Other borrowed funds $0
Subordinated debt $322
All other liabilities $7,396
Total equity capital$7,396
Total bank equity capital$7,396
Perpetual preferred stock$0
Common stock$240
Undivided profits $6,146
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 $439
Earning assets $0
Long-term assets (5+ years) $634
Average Assets, year-to-date $67,400
Average Assets, quarterly $11,778
Volatile liabilities $72,210
Insider loans $74,056
FHLB advances $43,760
Loans and leases held for sale $73,845
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,362
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,386
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,020
Total interest expense $775
Net interest income $2,245
Provision for loan and lease losses $85
Total noninterest income $272
Fiduciary activities $0
Service charges on deposit accounts $161
Trading account gains & fees $0
Additional noninterest income $111
Total noninterest expense $1,716
Salaries and employee benefits $988
Premises and equipment expense $188
Additional noninterest expense $540
Pre-tax net operating income $716
Securities gains (losses) $0
Applicable income taxes $119
Income before extraordinary items $597
Extraordinary gains - net $0
Net income attributable to bank $597
Net charge-offs $0
Cash dividends $597
Sale, conversion, retirement of capital stock, net $112
Net operating income $150
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.54%
Cost of funding earning assets 1.17%
Net interest margin 3.38%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 2.58%
Net operating income to assets 0.83%
Return on assets (ROA) 0.83%
Pretax return on assets 0.99%
Return on equity (ROE) 8.29%
Retained earnings to average equity (YTD only) 6.21%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 75.89%
Efficiency ratio7.15%
Assets per employee$68,176
Cash dividends to net income (YTD only)4.34%
Condition Ratios (%)
Loss allowance to loans 25.13%
Loss allowance to noncurrent loans 1.42%
Noncurrent assets plus other real estate owned to assets 143.96%
Noncurrent loans to loans 1.66%
Net loans and leases to deposits0.99%
Net loans and leases to core deposits 66.47%
Equity capital to assets 67.13%
Core capital (leverage) ratio 10.01%
Tier 1 risk-based capital ratio 9.97%
Total risk-based capital ratio 16.82%
Average assets$18
Average earning assets$72,210
Average equity $7,198
Average loans $66,449
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3 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09339Bank Of Dixon County117 East Third Street, Ponca, NE 68770January 01, 1881Full Service Brick and Mortar
19087412 Main Street Branch412 Main Street, New Castle, NE 68757June 05, 1922Full Service Brick and Mortar
2365498Jackson Branch218 East Elk Street, Jackson, NE 68743October 28, 2002Full Service Brick and Mortar
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