Bank of Keystone in city_name, state_name - Detailed Financial Reports, Location

Bank of Keystone in Keystone, Nebraska (NE)
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Bank of Keystone routing number info

Bank of Keystone - Overview

General
FDIC Certificate #: 9817
Status: Active
Federal Reserve ID: 442758
Bank Holding Company (Regulatory Top Holder): Keystone Investment, Inc. (RSSDID: 1051924, Location: Keystone, NE)
Date Established: June 10, 1909
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 15694
FDIC's unique #: 6289
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: Yes
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: 105 Inland Seas, Keystone, NE 69144
County: Keith
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: $56.0 mil
Equity capital: $6.0 mil
Deposits held in domestic offices: $49.6 mil
Return on assets (ROA): 1.57% ($0.9 mil)
Quarterly return on assets: 1.53% ($0.9 mil)
Return on Equity (ROE): 14.54% ($0.9 mil)
Quarterly return on equity: 13.97% ($0.8 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.61% ($901.5 mil)
Quarterly Pretax return on assets: 1.56% ($873.5 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
13Total employees (full-time equivalent)
$55,995Total assets
$5,982Cash and due from depository institutions
$0Interest-bearing balances
$5,386Securities
$1,929Federal funds sold & reverse repurchase agreements
$40,378Net loans & leases
$594Loan loss allowance
$0Trading account assets
$683Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$55,994Life insurance assets
$1,637All other assets
$49,986Total liabilities and capital
$49,576Total liabilities
$41,637Total deposits
$49,576Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$344Trading liabilities
$0Other borrowed funds
$66Subordinated debt
$6,008All other liabilities
$6,008Total equity capital
$6,008Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$2,237Surplus
$3,271Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$496Income earned, not collected on loans
$0Earning assets
$942Long-term assets (5+ years)
$47,693Average Assets, year-to-date
$4,875Average Assets, quarterly
$53,282Volatile liabilities
$54,638Insider loans
$45,305FHLB advances
$52,932Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,989Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,847Restructured Loans and leases
$178Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,696Total interest income
$449Total interest expense
$2,247Net interest income
$50Provision for loan and lease losses
$207Total noninterest income
$0Fiduciary activities
$147Service charges on deposit accounts
$0Trading account gains & fees
$60Additional noninterest income
$1,548Total noninterest expense
$847Salaries and employee benefits
$203Premises and equipment expense
$498Additional noninterest expense
$856Pre-tax net operating income
$0Securities gains (losses)
$22Applicable income taxes
$834Income before extraordinary items
$0Extraordinary gains - net
$834Net income attributable to bank
$0Net charge-offs
$834Cash dividends
-$35Sale, conversion, retirement of capital stock, net
$257Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.67%Yield on earning assets
0.94%Cost of funding earning assets
4.72%Net interest margin
0.44%Noninterest income to earning assets
3.25%Noninterest expense to earning assets
1.57%Net operating income to assets
1.57%Return on assets (ROA)
1.61%Pretax return on assets
14.54%Return on equity (ROE)
10.06%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
-142.86%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,081Assets per employee
4.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
30.82%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
119.76%Noncurrent assets plus other real estate owned to assets
0.89%Noncurrent loans to loans
1.21%Net loans and leases to deposits
81.45%Net loans and leases to core deposits
81.88%Equity capital to assets
10.73%Core capital (leverage) ratio
11.31%Tier 1 risk-based capital ratio
13.22%Total risk-based capital ratio
Memoranda
$14Average assets
$53,282Average earning assets
$5,737Average equity
$47,579Average loans

List of branches

4 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6289	Bank Of Keystone	105 Inland Seas, Keystone, NE 69144	June 10, 1909	Full Service Brick and Mortar
1	221240	Arthur Branch	Fir Street, Arthur, NE 69121	May 01, 1984	Full Service Brick and Mortar
2	11206	Elsie Commercial State Branch	Main Street, Elsie, NE 69134	August 01, 1907	Full Service Brick and Mortar
3	442293	Hyannis Branch	113 South Main Street, Hyannis, NE 69350	August 23, 2004	Full Service Brick and Mortar

Bank of Keystone in Keystone, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Keystone - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Keystone in Keystone, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Keystone - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Keystone in Keystone, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches