Commercial Bank in Nelson, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Commercial Bank - Overview

  • General
  • FDIC Certificate #: 12246
    Status: Active
    Federal Reserve ID: 42457
    Bank Holding Company (Regulatory Top Holder): C L C Enterprises, Inc. (RSSDID: 1053142, Location: Nelson, NE)
    Date Established: April 01, 1894
    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 #: 7785
    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: 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: Fourth And Main (S.W. Corner), Nelson, NE 68961
    County: Nuckolls
    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: $29.2 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $23.8 mil
    Return on assets (ROA): 0.89% ($0.3 mil)
    Quarterly return on assets: 0.84% ($0.2 mil)
    Return on Equity (ROE): 4.73% ($0.2 mil)
    Quarterly return on equity: 4.56% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.29% ($376.5 mil)
    Quarterly Pretax return on assets: 1.30% ($379.5 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
  • 8Total employees (full-time equivalent)
  • $29,189Total assets
  • $5,337Cash and due from depository institutions
  • $1,341Interest-bearing balances
  • $8,270Securities
  • $1,144Federal funds sold & reverse repurchase agreements
  • $13,816Net loans & leases
  • $322Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,189Life insurance assets
  • $622All other assets
  • $24,040Total liabilities and capital
  • $23,789Total liabilities
  • $18,968Total deposits
  • $23,789Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $251Subordinated debt
  • $5,149All other liabilities
  • $5,149Total equity capital
  • $5,149Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $600Surplus
  • $4,049Undivided 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
  • $352Long-term assets (5+ years)
  • $24,571Average Assets, year-to-date
  • $4,002Average Assets, quarterly
  • $28,045Volatile liabilities
  • $28,638Insider loans
  • $18,366FHLB advances
  • $29,288Loans and leases held for sale
  • $78Unused loan commitments
  • $78Tier 1 (core) risk-based capital
  • $5,149Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,332Restructured Loans and leases
  • $133Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,183Total interest income
  • $106Total interest expense
  • $1,077Net interest income
  • $15Provision for loan and lease losses
  • $56Total noninterest income
  • $0Fiduciary activities
  • $35Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21Additional noninterest income
  • $755Total noninterest expense
  • $548Salaries and employee benefits
  • $16Premises and equipment expense
  • $191Additional noninterest expense
  • $363Pre-tax net operating income
  • $0Securities gains (losses)
  • $114Applicable income taxes
  • $249Income before extraordinary items
  • $0Extraordinary gains - net
  • $249Net income attributable to bank
  • $0Net charge-offs
  • $249Cash dividends
  • -$12Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.49%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 4.73%Return on equity (ROE)
  • -0.97%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • -125.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,637Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 120.48%Loss allowance to loans
  • 2.28%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
  • 58.08%Net loans and leases to core deposits
  • 58.95%Equity capital to assets
  • 17.64%Core capital (leverage) ratio
  • 17.58%Tier 1 risk-based capital ratio
  • 28.04%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $28,045Average earning assets
  • $5,260Average equity
  • $23,975Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07785Commercial BankFourth And Main (S.W. Corner), Nelson, NE 68961April 01, 1894Full Service Brick and Mortar

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