Custer Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 28543 Status: Active Federal Reserve ID: 481579 Date Established: January 01, 1925 WWW:http://www.custerfederal.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 1806 FDIC's unique #: 41377 Numeric code: 37 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 21, 1935 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 341 South 10th Avenue, Broken Bow, NE 68822 County: Custer 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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $73.7 mil Equity capital: $5.9 mil Deposits held in domestic offices: $67.3 mil Return on assets (ROA): 0.77% ($0.6 mil) Quarterly return on assets: 0.46% ($0.3 mil) Return on Equity (ROE): 9.23% ($0.6 mil) Quarterly return on equity: 5.55% ($0.3 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.20% ($884.6 mil) Quarterly Pretax return on assets: 0.72% ($530.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$73,713Total assets
$3,419Cash and due from depository institutions
$1,997Interest-bearing balances
$27,437Securities
$0Federal funds sold & reverse repurchase agreements
$40,743Net loans & leases
$251Loan loss allowance
$0Trading account assets
$540Bank premises and fixed assets
$213Other real estate owned
$0Goodwill and other intangibles
$73,713Life insurance assets
$1,361All other assets
$67,841Total liabilities and capital
$67,319Total liabilities
$63,959Total deposits
$67,319Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$522Subordinated debt
$5,872All other liabilities
$5,872Total equity capital
$5,872Total bank equity capital
$0Perpetual preferred stock
$2Common stock
$1,459Surplus
$4,411Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$192Income earned, not collected on loans
$0Earning assets
$854Long-term assets (5+ years)
$70,177Average Assets, year-to-date
$0Average Assets, quarterly
$68,978Volatile liabilities
$71,565Insider loans
$39,267FHLB advances
$73,641Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,800Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,857Restructured Loans and leases
$642Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,108Total interest income
$914Total interest expense
$2,194Net interest income
$75Provision for loan and lease losses
$127Total noninterest income
$0Fiduciary activities
$31Service charges on deposit accounts
$0Trading account gains & fees
$96Additional noninterest income
$1,419Total noninterest expense
$743Salaries and employee benefits
$240Premises and equipment expense
$436Additional noninterest expense
$827Pre-tax net operating income
$0Securities gains (losses)
$296Applicable income taxes
$531Income before extraordinary items
$0Extraordinary gains - net
$531Net income attributable to bank
$0Net charge-offs
$531Cash dividends
$104Sale, conversion, retirement of capital stock, net
$163Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.71%Yield on earning assets
1.39%Cost of funding earning assets
3.33%Net interest margin
0.19%Noninterest income to earning assets
2.15%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
1.20%Pretax return on assets
9.23%Return on equity (ROE)
6.40%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
72.12%Credit loss provision to net charge-offs
8.67%Efficiency ratio
61,137Assets per employee
5.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
30.70%Loss allowance to loans
0.61%Loss allowance to noncurrent loans
130.73%Noncurrent assets plus other real estate owned to assets
0.55%Noncurrent loans to loans
0.47%Net loans and leases to deposits
60.52%Net loans and leases to core deposits
64.78%Equity capital to assets
7.97%Core capital (leverage) ratio
7.88%Tier 1 risk-based capital ratio
14.77%Total risk-based capital ratio
Memoranda
$15Average assets
$68,978Average earning assets
$5,750Average equity
$65,983Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41377
Custer Federal Savings And Loan Asso
341 South 10th Avenue, Broken Bow, NE 68822
January 01, 1925
Full Service Brick and Mortar
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