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 WWW:http://www.battlecreekstatebank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
10514
Battle Creek State Bank
202 W Main St, Battle Creek, NE 68715
September 01, 1943
Full Service Brick and Mortar
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