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

This bank is inactive as of January 01, 2005

  • Commercial State Bank in Elsie, Nebraska (NE)
  • Show street view No street view available for this location

Commercial State Bank - Overview

  • General
  • FDIC Certificate #: 17171
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of Keystone (#9817)
    Federal Reserve ID: 255958
    Date Established: August 01, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 11206
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 14, 1953
    Last Structure Change Effective Date: January 01, 2005
    Last Structure Change Process Date: January 04, 2005
    Last Data Update: January 04, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Elsie, NE 69134
    County: Perkins
    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
  • Financial Summary
  • Total assets: $13.2 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, 2004)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $13,187Total assets
  • $1,583Cash and due from depository institutions
  • $0Interest-bearing balances
  • $612Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $10,550Net loans & leases
  • $222Loan loss allowance
  • $0Trading account assets
  • $21Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $421All other assets
  • $13,187Total liabilities and capital
  • $11,890Total liabilities
  • $11,382Total deposits
  • $8,962Interest-bearing deposits
  • $11,382Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $350Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $158All other liabilities
  • $1,297Total equity capital
  • $1,297Total bank equity capital
  • $1,297Perpetual preferred stock
  • $0Common stock
  • $120Surplus
  • $480Undivided profits
  • Memoranda
  • $697Noncurrent loans and leases
  • $4,394Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $41Earning assets
  • $0Long-term assets (5+ years)
  • $363Average Assets, year-to-date
  • $11,162Average Assets, quarterly
  • $755Volatile liabilities
  • $12,175Insider loans
  • $12,623FHLB advances
  • $2,398Loans and leases held for sale
  • $100Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,394Total unused commitments
  • $0Restructured Loans and leases
  • $145Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $789Total interest income
  • $185Total interest expense
  • $604Net interest income
  • $22Provision for loan and lease losses
  • $63Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1Additional noninterest income
  • $418Total noninterest expense
  • $275Salaries and employee benefits
  • $52Premises and equipment expense
  • $91Additional noninterest expense
  • $227Pre-tax net operating income
  • $0Securities gains (losses)
  • $80Applicable income taxes
  • $147Income before extraordinary items
  • $0Extraordinary gains - net
  • $147Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$9Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.33%Yield on earning assets
  • 1.72%Cost of funding earning assets
  • 5.61%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.86%Pretax return on assets
  • 11.59%Return on equity (ROE)
  • 7.65%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • -244.44%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,669Assets per employee
  • 2.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.01%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 541.46%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 92.69%Net loans and leases to core deposits
  • 113.03%Equity capital to assets
  • 9.84%Core capital (leverage) ratio
  • 10.39%Tier 1 risk-based capital ratio
  • 11.25%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $12,175Average earning assets
  • $1,268Average equity
  • $10,763Average loans

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