FDIC Certificate #: 14638 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:Points West Community Bank (#25127) Federal Reserve ID: 538651 Date Established: Febuary 11, 1919 WWW:http://www.dcsbank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 9152 Numeric code: 13 Regulator: FED 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: August 06, 1934 Last Structure Change Effective Date: October 31, 2003 Last Structure Change Process Date: December 10, 2003 Last Data Update: December 10, 2003 Data Source Date: April 05, 2012
Location
Address: Main Street, Chappell, NE 69129 County: Deuel 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: $30.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
9Total employees (full-time equivalent)
$35,743Total assets
$1,444Cash and due from depository institutions
$51Interest-bearing balances
$1,990Securities
$3,750Federal funds sold & reverse repurchase agreements
$27,083Net loans & leases
$549Loan loss allowance
$0Trading account assets
$422Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,054All other assets
$35,743Total liabilities and capital
$33,134Total liabilities
$31,743Total deposits
$28,658Interest-bearing deposits
$31,743Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,300Other borrowed funds
$0Subordinated debt
$91All other liabilities
$2,609Total equity capital
$2,609Total bank equity capital
$2,609Perpetual preferred stock
$0Common stock
$200Surplus
$2,200Undivided profits
Memoranda
$209Noncurrent loans and leases
$3,476Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,396Earning assets
$0Long-term assets (5+ years)
$833Average Assets, year-to-date
$32,874Average Assets, quarterly
$7,274Volatile liabilities
$36,394Insider loans
$36,154FHLB advances
$6,100Loans and leases held for sale
$1,148Unused loan commitments
$1,300Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,476Total unused commitments
$368Restructured Loans and leases
$369Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$2,255Total interest income
$1,047Total interest expense
$1,208Net interest income
$135Provision for loan and lease losses
$108Total noninterest income
$0Fiduciary activities
$106Service charges on deposit accounts
$0Trading account gains & fees
$2Additional noninterest income
$1,246Total noninterest expense
$455Salaries and employee benefits
$104Premises and equipment expense
$687Additional noninterest expense
-$65Pre-tax net operating income
$0Securities gains (losses)
$11Applicable income taxes
-$76Income before extraordinary items
$0Extraordinary gains - net
-$76Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$67Sale, conversion, retirement of capital stock, net
$100Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.76%Yield on earning assets
3.14%Cost of funding earning assets
3.62%Net interest margin
0.32%Noninterest income to earning assets
3.74%Noninterest expense to earning assets
-0.21%Net operating income to assets
-0.21%Return on assets (ROA)
-0.18%Pretax return on assets
-2.67%Return on equity (ROE)
-6.19%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
201.49%Credit loss provision to net charge-offs
1.04%Efficiency ratio
94,681Assets per employee
3.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
-131.58%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
39.33%Noncurrent assets plus other real estate owned to assets
3.91%Noncurrent loans to loans
5.05%Net loans and leases to deposits
85.32%Net loans and leases to core deposits
105.62%Equity capital to assets
7.30%Core capital (leverage) ratio
7.44%Tier 1 risk-based capital ratio
8.80%Total risk-based capital ratio
Memoranda
$10Average assets
$36,394Average earning assets
$2,843Average equity
$33,360Average loans
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