Countryside Bank in Unadilla, Nebraska (NE)



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Table of contents:
Countryside Bank
GeneralFDIC Certificate #: 1438
Status: Active
Federal Reserve ID: 474357
Bank Holding Company (Regulatory Top Holder): Ub, Inc. (RSSDID: 2090779, Location: Unadilla, NE)
Date Established: May 01, 1892
WWW: http://www.countrysidebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 955
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
LocationAddress: 379 Main Street, Unadilla, NE 68454
County: Otoe
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $69.4 mil
Equity capital: $9.9 mil
Deposits held in domestic offices: $54.9 mil
Return on assets (ROA): 1.12% ($0.8 mil)
Quarterly return on assets: 0.72% ($0.5 mil)
Return on Equity (ROE): 8.13% ($0.8 mil)
Quarterly return on equity: 5.08% ($0.5 mil)
Net income: $0.8 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.55% ($1,075.5 mil)
Quarterly Pretax return on assets: 1.18% ($818.8 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)
Total employees (full-time equivalent)16
Total assets$69,386
Cash and due from depository institutions$2,788
Interest-bearing balances$1,464
Securities$22,375
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$39,994
Loan loss allowance $584
Trading account assets$0
Bank premises and fixed assets$380
Other real estate owned$40
Goodwill and other intangibles$130
All other assets$3,679
Life insurance assets$69,386
Total liabilities and capital$59,500
Total liabilities$54,920
Total deposits$46,206
Interest-bearing deposits$54,920
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,267
Other borrowed funds $0
Subordinated debt $1,313
All other liabilities $9,886
Total equity capital$9,886
Total bank equity capital$9,886
Perpetual preferred stock$0
Common stock$250
Surplus$775
Undivided profits $8,861
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $137
Earning assets $0
Long-term assets (5+ years) $541
Average Assets, year-to-date $63,833
Average Assets, quarterly $11,476
Volatile liabilities $69,348
Insider loans $69,610
FHLB advances $43,208
Loans and leases held for sale $71,185
Unused loan commitments $1,215
Tier 1 (core) risk-based capital $1,215
Tier 2 risk-based capital $9,559
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,285
Derivatives$485
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,819
Total interest expense $520
Net interest income $2,299
Provision for loan and lease losses $0
Total noninterest income $740
Fiduciary activities $0
Service charges on deposit accounts $244
Trading account gains & fees $0
Additional noninterest income $496
Total noninterest expense $1,962
Salaries and employee benefits $1,355
Premises and equipment expense $199
Additional noninterest expense $408
Pre-tax net operating income $1,077
Securities gains (losses) $0
Applicable income taxes $303
Income before extraordinary items $774
Extraordinary gains - net $0
Net income attributable to bank $774
Net charge-offs $0
Cash dividends $774
Sale, conversion, retirement of capital stock, net $30
Net operating income $150
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.45%
Cost of funding earning assets 0.82%
Net interest margin 3.63%
Noninterest income to earning assets 1.17%
Noninterest expense to earning assets 3.09%
Net operating income to assets 1.12%
Return on assets (ROA) 1.12%
Pretax return on assets 1.55%
Return on equity (ROE) 8.13%
Retained earnings to average equity (YTD only) 6.56%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio35.90%
Assets per employee$64,561
Cash dividends to net income (YTD only)4.34%
Condition Ratios (%)
Loss allowance to loans 19.38%
Loss allowance to noncurrent loans 1.44%
Noncurrent assets plus other real estate owned to assets 426.28%
Noncurrent loans to loans 0.26%
Net loans and leases to deposits0.34%
Net loans and leases to core deposits 72.82%
Equity capital to assets 72.82%
Core capital (leverage) ratio 14.25%
Tier 1 risk-based capital ratio 13.43%
Total risk-based capital ratio 22.12%
Memoranda
Average assets$23
Average earning assets$69,348
Average equity $9,517
Average loans $63,403
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3 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0955Countryside Bank379 Main Street, Unadilla, NE 68454May 01, 1892Full Service Brick and Mortar
13716Burr Branch334 Main Street, Burr, NE 68324January 01, 1888Full Service Brick and Mortar
2207755Syracuse Countryside Branch976 11th Street, Syracuse, NE 68446November 25, 1996Full Service Brick and Mortar
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