Banner County Bank, Inc. in Harrisburg, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Banner County Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 19274
    Status: Active
    Federal Reserve ID: 275255
    Bank Holding Company (Regulatory Top Holder): Banner County Ban Corporation (RSSDID: 1067028, Location: Harrisburg, NE)
    Date Established: October 10, 1964
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 53543
    FDIC's unique #: 13087
    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: October 10, 1964
    Last Structure Change Effective Date: March 05, 2011
    Last Structure Change Process Date: March 28, 2011
    Last Data Update: March 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 State St, Harrisburg, NE 69345
    County: Banner
    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
    Core Based Statistical Area (CBSA): Scottsbluff, NE (#42420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $116.5 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $103.2 mil
    Return on assets (ROA): 0.87% ($1.0 mil)
    Quarterly return on assets: 1.11% ($1.3 mil)
    Return on Equity (ROE): 8.50% ($1.0 mil)
    Quarterly return on equity: 11.01% ($1.3 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.32% ($1,537.4 mil)
    Quarterly Pretax return on assets: 1.42% ($1,653.9 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
  • 19Total employees (full-time equivalent)
  • $116,472Total assets
  • $7,737Cash and due from depository institutions
  • $5,779Interest-bearing balances
  • $18,876Securities
  • $12,875Federal funds sold & reverse repurchase agreements
  • $73,357Net loans & leases
  • $942Loan loss allowance
  • $0Trading account assets
  • $392Bank premises and fixed assets
  • $290Other real estate owned
  • $842Goodwill and other intangibles
  • $116,472Life insurance assets
  • $2,103All other assets
  • $104,926Total liabilities and capital
  • $103,240Total liabilities
  • $87,892Total deposits
  • $103,240Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $686Subordinated debt
  • $11,546All other liabilities
  • $11,546Total equity capital
  • $11,546Total bank equity capital
  • $0Perpetual preferred stock
  • $118Common stock
  • $6,795Surplus
  • $4,633Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $91Income earned, not collected on loans
  • $0Earning assets
  • $1,559Long-term assets (5+ years)
  • $110,887Average Assets, year-to-date
  • $12,848Average Assets, quarterly
  • $97,258Volatile liabilities
  • $113,566Insider loans
  • $83,481FHLB advances
  • $116,337Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,529Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,607Restructured Loans and leases
  • $2,213Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,295Total interest income
  • $1,387Total interest expense
  • $3,908Net interest income
  • $405Provision for loan and lease losses
  • $184Total noninterest income
  • $0Fiduciary activities
  • $129Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $2,400Total noninterest expense
  • $1,132Salaries and employee benefits
  • $323Premises and equipment expense
  • $945Additional noninterest expense
  • $1,287Pre-tax net operating income
  • $0Securities gains (losses)
  • $442Applicable income taxes
  • $845Income before extraordinary items
  • $0Extraordinary gains - net
  • $845Net income attributable to bank
  • $0Net charge-offs
  • $845Cash dividends
  • $146Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.73%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 8.50%Return on equity (ROE)
  • 6.49%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 277.40%Credit loss provision to net charge-offs
  • 11.59%Efficiency ratio
  • 53,446Assets per employee
  • 6.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.67%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 1035.16%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 71.05%Net loans and leases to core deposits
  • 78.02%Equity capital to assets
  • 9.91%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 12.61%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $97,258Average earning assets
  • $9,946Average equity
  • $92,332Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013087Banner County Bank, Inc.205 State St, Harrisburg, NE 69345October 10, 1964Full Service Brick and Mortar
    18023First State Bank Branch401 9th St, Beaver City, NE 68926January 25, 1887Full Service Brick and Mortar

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