Battle Creek State Bank in Battle Creek, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Battle Creek State Bank in Battle Creek, Nebraska (NE)
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Battle Creek State Bank - Overview

  • General
  • FDIC Certificate #: 16330
    Status: Active
    Federal Reserve ID: 986757
    Bank Holding Company (Regulatory Top Holder): Battle Creek State Company, Inc. (RSSDID: 2249399, Location: Battle Creek, NE)
    Date Established: September 01, 1943
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12275
    FDIC's unique #: 10514
    Numeric code: 13
    Regulator: FED
    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 24, 1945
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 17, 2010
    Last Data Update: June 17, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 W Main St, Battle Creek, NE 68715
    County: Madison
    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
    Core Based Statistical Area (CBSA): Norfolk, NE (#35740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $26.5 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $22.4 mil
    Return on assets (ROA): 1.02% ($0.3 mil)
    Quarterly return on assets: 0.36% ($0.1 mil)
    Return on Equity (ROE): 10.65% ($0.3 mil)
    Quarterly return on equity: 3.54% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.19% ($314.9 mil)
    Quarterly Pretax return on assets: 0.87% ($230.2 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
  • 7Total employees (full-time equivalent)
  • $26,463Total assets
  • $2,144Cash and due from depository institutions
  • $47Interest-bearing balances
  • $5,385Securities
  • $2,500Federal funds sold & reverse repurchase agreements
  • $15,631Net loans & leases
  • $782Loan loss allowance
  • $0Trading account assets
  • $201Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $26,463Life insurance assets
  • $602All other assets
  • $23,853Total liabilities and capital
  • $22,363Total liabilities
  • $15,656Total deposits
  • $22,363Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,267Trading liabilities
  • $0Other borrowed funds
  • $223Subordinated debt
  • $2,610All other liabilities
  • $2,610Total equity capital
  • $2,610Total bank equity capital
  • $0Perpetual preferred stock
  • $138Common stock
  • $2,040Surplus
  • $432Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $216Long-term assets (5+ years)
  • $23,563Average Assets, year-to-date
  • $2,836Average Assets, quarterly
  • $25,746Volatile liabilities
  • $25,747Insider loans
  • $18,176FHLB advances
  • $27,438Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,560Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,573Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,145Total interest income
  • $210Total interest expense
  • $935Net interest income
  • $0Provision for loan and lease losses
  • $188Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $817Total noninterest expense
  • $469Salaries and employee benefits
  • $52Premises and equipment expense
  • $296Additional noninterest expense
  • $306Pre-tax net operating income
  • $0Securities gains (losses)
  • $43Applicable income taxes
  • $263Income before extraordinary items
  • $0Extraordinary gains - net
  • $263Net income attributable to bank
  • $0Net charge-offs
  • $263Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.47%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.19%Pretax return on assets
  • 10.65%Return on equity (ROE)
  • 10.65%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 7.46%Efficiency ratio
  • 72,752Assets per employee
  • 3.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.76%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 69.90%Net loans and leases to core deposits
  • 69.90%Equity capital to assets
  • 9.86%Core capital (leverage) ratio
  • 9.33%Tier 1 risk-based capital ratio
  • 14.08%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $25,746Average earning assets
  • $2,470Average equity
  • $23,532Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010514Battle Creek State Bank202 W Main St, Battle Creek, NE 68715September 01, 1943Full Service Brick and Mortar

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