Countryside Bank in Unadilla, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Countryside Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 16Total employees (full-time equivalent)
  • $69,386Total assets
  • $2,788Cash and due from depository institutions
  • $1,464Interest-bearing balances
  • $22,375Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,994Net loans & leases
  • $584Loan loss allowance
  • $0Trading account assets
  • $380Bank premises and fixed assets
  • $40Other real estate owned
  • $130Goodwill and other intangibles
  • $69,386Life insurance assets
  • $3,679All other assets
  • $59,500Total liabilities and capital
  • $54,920Total liabilities
  • $46,206Total deposits
  • $54,920Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,267Trading liabilities
  • $0Other borrowed funds
  • $1,313Subordinated debt
  • $9,886All other liabilities
  • $9,886Total equity capital
  • $9,886Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $775Surplus
  • $8,861Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $137Income earned, not collected on loans
  • $0Earning assets
  • $541Long-term assets (5+ years)
  • $63,833Average Assets, year-to-date
  • $11,476Average Assets, quarterly
  • $69,348Volatile liabilities
  • $69,610Insider loans
  • $43,208FHLB advances
  • $71,185Loans and leases held for sale
  • $1,215Unused loan commitments
  • $1,215Tier 1 (core) risk-based capital
  • $9,559Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,285Restructured Loans and leases
  • $485Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,819Total interest income
  • $520Total interest expense
  • $2,299Net interest income
  • $0Provision for loan and lease losses
  • $740Total noninterest income
  • $0Fiduciary activities
  • $244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $496Additional noninterest income
  • $1,962Total noninterest expense
  • $1,355Salaries and employee benefits
  • $199Premises and equipment expense
  • $408Additional noninterest expense
  • $1,077Pre-tax net operating income
  • $0Securities gains (losses)
  • $303Applicable income taxes
  • $774Income before extraordinary items
  • $0Extraordinary gains - net
  • $774Net income attributable to bank
  • $0Net charge-offs
  • $774Cash dividends
  • $30Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.63%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 3.09%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 8.13%Return on equity (ROE)
  • 6.56%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 35.90%Efficiency ratio
  • 64,561Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.38%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 426.28%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 72.82%Net loans and leases to core deposits
  • 72.82%Equity capital to assets
  • 14.25%Core capital (leverage) ratio
  • 13.43%Tier 1 risk-based capital ratio
  • 22.12%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $69,348Average earning assets
  • $9,517Average equity
  • $63,403Average loans

List of branches

  • 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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