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

Bank of Prague - Overview

  • General
  • FDIC Certificate #: 12745
    Status: Active
    Federal Reserve ID: 858452
    Bank Holding Company (Regulatory Top Holder): Prague Company (RSSDID: 1050730, Location: Omaha, NE)
    Date Established: January 01, 1906
    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 #: 8078
    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: November 25, 2008
    Last Structure Change Process Date: November 25, 2008
    Last Data Update: November 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 316 West Center Avenue, Prague, NE 68050
    County: Saunders
    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
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $21.1 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $17.5 mil
    Return on assets (ROA): 1.66% ($0.3 mil)
    Quarterly return on assets: 0.56% ($0.1 mil)
    Return on Equity (ROE): 9.95% ($0.4 mil)
    Quarterly return on equity: 3.35% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.70% ($359.2 mil)
    Quarterly Pretax return on assets: 0.62% ($131.0 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
  • 6Total employees (full-time equivalent)
  • $21,130Total assets
  • $2,449Cash and due from depository institutions
  • $1,318Interest-bearing balances
  • $3,884Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $14,488Net loans & leases
  • $89Loan loss allowance
  • $0Trading account assets
  • $8Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $21,130Life insurance assets
  • $301All other assets
  • $17,558Total liabilities and capital
  • $17,523Total liabilities
  • $15,080Total deposits
  • $17,523Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $35Subordinated debt
  • $3,572All other liabilities
  • $3,572Total equity capital
  • $3,572Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,050Surplus
  • $2,372Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $36Income earned, not collected on loans
  • $0Earning assets
  • $278Long-term assets (5+ years)
  • $19,690Average Assets, year-to-date
  • $899Average Assets, quarterly
  • $20,906Volatile liabilities
  • $21,244Insider loans
  • $16,351FHLB advances
  • $21,648Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,540Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,443Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $930Total interest income
  • $146Total interest expense
  • $784Net interest income
  • $40Provision for loan and lease losses
  • $306Total noninterest income
  • $0Fiduciary activities
  • $83Service charges on deposit accounts
  • $0Trading account gains & fees
  • $223Additional noninterest income
  • $695Total noninterest expense
  • $430Salaries and employee benefits
  • $111Premises and equipment expense
  • $154Additional noninterest expense
  • $355Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $347Income before extraordinary items
  • $0Extraordinary gains - net
  • $347Net income attributable to bank
  • $0Net charge-offs
  • $347Cash dividends
  • $97Sale, conversion, retirement of capital stock, net
  • $221Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.00%Net interest margin
  • 1.56%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 9.95%Return on equity (ROE)
  • 3.61%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 41.24%Credit loss provision to net charge-offs
  • 4.07%Efficiency ratio
  • 63,761Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.69%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 247.22%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 82.68%Net loans and leases to core deposits
  • 84.45%Equity capital to assets
  • 16.90%Core capital (leverage) ratio
  • 16.35%Tier 1 risk-based capital ratio
  • 21.65%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $20,906Average earning assets
  • $3,487Average equity
  • $19,618Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08078Bank Of Prague316 West Center Avenue, Prague, NE 68050January 01, 1906Full Service Brick and Mortar

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