Cornhusker Bank in Lincoln, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Cornhusker Bank in Lincoln, Nebraska (NE)
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Cornhusker Bank - Overview

  • General
  • FDIC Certificate #: 14264
    Status: Active
    Federal Reserve ID: 544652
    Bank Holding Company (Regulatory Top Holder): Cornhusker Growth Corporation (RSSDID: 2022529, Location: Lincoln, NE)
    Date Established: August 24, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 15361
    FDIC's unique #: 8909
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 18, 1934
    Last Structure Change Effective Date: June 30, 2011
    Last Structure Change Process Date: July 07, 2011
    Last Data Update: July 07, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 11th And Cornhusker Highway, Lincoln, NE 68501
    County: Lancaster
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Lincoln, NE (#4360)
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $392.9 mil
    Equity capital: $32.1 mil
    Deposits held in domestic offices: $325.0 mil
    Return on assets (ROA): 1.15% ($4.5 mil)
    Quarterly return on assets: 1.10% ($4.3 mil)
    Return on Equity (ROE): 14.10% ($4.5 mil)
    Quarterly return on equity: 13.27% ($4.2 mil)
    Net income: $4.3 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.18% ($4,636.8 mil)
    Quarterly Pretax return on assets: 1.14% ($4,479.6 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
  • 110Total employees (full-time equivalent)
  • $392,949Total assets
  • $23,320Cash and due from depository institutions
  • $9,494Interest-bearing balances
  • $91,035Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $266,552Net loans & leases
  • $4,157Loan loss allowance
  • $0Trading account assets
  • $5,453Bank premises and fixed assets
  • $283Other real estate owned
  • $279Goodwill and other intangibles
  • $392,949Life insurance assets
  • $6,027All other assets
  • $360,868Total liabilities and capital
  • $325,024Total liabilities
  • $295,166Total deposits
  • $325,024Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 27946.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,769Trading liabilities
  • $0Other borrowed funds
  • $1,129Subordinated debt
  • $32,081All other liabilities
  • $32,081Total equity capital
  • $32,081Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $16,038Surplus
  • $15,043Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $337Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $687Income earned, not collected on loans
  • $0Earning assets
  • $1,678Long-term assets (5+ years)
  • $367,081Average Assets, year-to-date
  • $85,184Average Assets, quarterly
  • $372,433Volatile liabilities
  • $384,113Insider loans
  • $292,244FHLB advances
  • $374,146Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,399Restructured Loans and leases
  • $195Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,044Total interest income
  • $2,962Total interest expense
  • $14,082Net interest income
  • $1,640Provision for loan and lease losses
  • $4,385Total noninterest income
  • $0Fiduciary activities
  • $1,251Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,134Additional noninterest income
  • $12,426Total noninterest expense
  • $7,097Salaries and employee benefits
  • $2,267Premises and equipment expense
  • $3,062Additional noninterest expense
  • $4,401Pre-tax net operating income
  • $12Securities gains (losses)
  • $135Applicable income taxes
  • $4,278Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,278Net income attributable to bank
  • $0Net charge-offs
  • $4,278Cash dividends
  • $1,113Sale, conversion, retirement of capital stock, net
  • $2,175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.96%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 14.10%Return on equity (ROE)
  • 6.93%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 147.35%Credit loss provision to net charge-offs
  • 5.43%Efficiency ratio
  • 67,288Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.84%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 605.09%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 82.01%Net loans and leases to core deposits
  • 86.63%Equity capital to assets
  • 8.16%Core capital (leverage) ratio
  • 8.43%Tier 1 risk-based capital ratio
  • 10.79%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $372,433Average earning assets
  • $30,334Average equity
  • $355,576Average loans

List of branches

  • 9 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08909Cornhusker Bank11th And Cornhusker Highway, Lincoln, NE 68501August 24, 1903Full Service Brick and Mortar
    2231237Drive-In Teller's Facility1300 North 27th Street, Lincoln, NE 68503Febuary 15, 1974Full Service Brick and Mortar
    3231238North Cotner Branch1600 North Cotner, Lincoln, NE 68505June 01, 1987Full Service Brick and Mortar
    4231239South Street Branch5555 South Street, Lincoln, NE 68506January 17, 1989Full Service Brick and Mortar
    6231241Legacy Branch5600 Pioneers Boulevard, Lincoln, NE 68506June 14, 1996Limited Service Facility
    7231242Old Cheney Branch5701 South 34th Street Ste 100, Lincoln, NE 68516November 20, 1996Full Service Brick and Mortar
    9231244Legacy Terrace Branch5700 Fremont Street, Lincoln, NE 68504March 24, 1999Limited Service Facility
    10430222Legacy Estate Branch7200 Van Dorn Street, Lincoln, NE 68506January 07, 2004Limited Service Facility
    11472632Aples Way Branch6100 Apple's Way, Lincoln, NE 68516January 17, 2008Full Service Brick and Mortar

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