Bank of Dixon County in Ponca, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Dixon County - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 17Total employees (full-time equivalent)
  • $73,851Total assets
  • $12,616Cash and due from depository institutions
  • $8,296Interest-bearing balances
  • $14,677Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $43,927Net loans & leases
  • $632Loan loss allowance
  • $0Trading account assets
  • $160Bank premises and fixed assets
  • $785Other real estate owned
  • $0Goodwill and other intangibles
  • $73,851Life insurance assets
  • $1,186All other assets
  • $66,455Total liabilities and capital
  • $66,083Total liabilities
  • $54,653Total deposits
  • $66,083Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $50Trading liabilities
  • $0Other borrowed funds
  • $322Subordinated debt
  • $7,396All other liabilities
  • $7,396Total equity capital
  • $7,396Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $1,010Surplus
  • $6,146Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $439Income earned, not collected on loans
  • $0Earning assets
  • $634Long-term assets (5+ years)
  • $67,400Average Assets, year-to-date
  • $11,778Average Assets, quarterly
  • $72,210Volatile liabilities
  • $74,056Insider loans
  • $43,760FHLB advances
  • $73,845Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,362Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,386Restructured Loans and leases
  • $138Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,020Total interest income
  • $775Total interest expense
  • $2,245Net interest income
  • $85Provision for loan and lease losses
  • $272Total noninterest income
  • $0Fiduciary activities
  • $161Service charges on deposit accounts
  • $0Trading account gains & fees
  • $111Additional noninterest income
  • $1,716Total noninterest expense
  • $988Salaries and employee benefits
  • $188Premises and equipment expense
  • $540Additional noninterest expense
  • $716Pre-tax net operating income
  • $0Securities gains (losses)
  • $119Applicable income taxes
  • $597Income before extraordinary items
  • $0Extraordinary gains - net
  • $597Net income attributable to bank
  • $0Net charge-offs
  • $597Cash dividends
  • $112Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 8.29%Return on equity (ROE)
  • 6.21%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 75.89%Credit loss provision to net charge-offs
  • 7.15%Efficiency ratio
  • 68,176Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.13%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 143.96%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 66.47%Net loans and leases to core deposits
  • 67.13%Equity capital to assets
  • 10.01%Core capital (leverage) ratio
  • 9.97%Tier 1 risk-based capital ratio
  • 16.82%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $72,210Average earning assets
  • $7,198Average equity
  • $66,449Average loans

List of branches

  • 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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