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


  • Commercial State Bank in Wausa, Nebraska (NE)
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Commercial State Bank routing number info

Commercial State Bank - Overview

  • General
  • FDIC Certificate #: 13819
    Status: Active
    Federal Reserve ID: 479754
    Bank Holding Company (Regulatory Top Holder): Wausa Banshares, Inc. (RSSDID: 1051698, Location: Wausa, NE)
    Date Established: December 01, 1925
    WWW: http://www.wausabank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8639
    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: 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: 519 East Broadway St, Wausa, NE 68786
    County: Knox
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $76.5 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $67.0 mil
    Return on assets (ROA): 0.94% ($0.7 mil)
    Quarterly return on assets: 1.65% ($1.3 mil)
    Return on Equity (ROE): 8.99% ($0.7 mil)
    Quarterly return on equity: 15.94% ($1.3 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.98% ($749.5 mil)
    Quarterly Pretax return on assets: 1.68% ($1,284.8 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
  • 16Total employees (full-time equivalent)
  • $76,475Total assets
  • $2,974Cash and due from depository institutions
  • $2,219Interest-bearing balances
  • $10,267Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,502Net loans & leases
  • $861Loan loss allowance
  • $0Trading account assets
  • $1,277Bank premises and fixed assets
  • $966Other real estate owned
  • $0Goodwill and other intangibles
  • $76,475Life insurance assets
  • $2,489All other assets
  • $68,488Total liabilities and capital
  • $67,015Total liabilities
  • $58,939Total deposits
  • $67,015Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,153Trading liabilities
  • $0Other borrowed funds
  • $320Subordinated debt
  • $7,987All other liabilities
  • $7,987Total equity capital
  • $7,987Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,800Surplus
  • $5,987Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $245Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $546Income earned, not collected on loans
  • $0Earning assets
  • $672Long-term assets (5+ years)
  • $70,988Average Assets, year-to-date
  • $11,469Average Assets, quarterly
  • $73,825Volatile liabilities
  • $75,837Insider loans
  • $63,883FHLB advances
  • $75,840Loans and leases held for sale
  • $1,187Unused loan commitments
  • $789Tier 1 (core) risk-based capital
  • $7,944Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $398Total unused commitments
  • $7,905Restructured Loans and leases
  • $376Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,744Total interest income
  • $854Total interest expense
  • $2,890Net interest income
  • $220Provision for loan and lease losses
  • $261Total noninterest income
  • $0Fiduciary activities
  • $155Service charges on deposit accounts
  • $0Trading account gains & fees
  • $106Additional noninterest income
  • $2,209Total noninterest expense
  • $1,171Salaries and employee benefits
  • $222Premises and equipment expense
  • $816Additional noninterest expense
  • $722Pre-tax net operating income
  • $1Securities gains (losses)
  • $28Applicable income taxes
  • $695Income before extraordinary items
  • $0Extraordinary gains - net
  • $695Net income attributable to bank
  • $0Net charge-offs
  • $695Cash dividends
  • $329Sale, conversion, retirement of capital stock, net
  • $512Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 8.99%Return on equity (ROE)
  • 2.37%Retained earnings to average equity (YTD only)
  • 0.58%Net charge-offs to loans
  • 66.87%Credit loss provision to net charge-offs
  • 2.86%Efficiency ratio
  • 70,105Assets per employee
  • 4.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.67%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 157.69%Noncurrent assets plus other real estate owned to assets
  • 1.98%Noncurrent loans to loans
  • 0.92%Net loans and leases to deposits
  • 87.30%Net loans and leases to core deposits
  • 93.84%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.47%Tier 1 risk-based capital ratio
  • 12.44%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $73,825Average earning assets
  • $7,733Average equity
  • $68,316Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08639Commercial State Bank519 East Broadway St, Wausa, NE 68786December 01, 1925Full Service Brick and Mortar
    1478858Nebraska City Branch617 Central Avenue, Nebraska City, NE 68410September 15, 2007Full Service Brick and Mortar

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