FirsTier Bank in Kimball, Nebraska (NE), WY
Overview, Financial Summary, Detailed Financial Reports, Branches

FirsTier Bank - Overview

  • General
  • FDIC Certificate #: 17478
    Status: Active
    Federal Reserve ID: 536554
    Bank Holding Company (Regulatory Top Holder): Firstier Ii Bancorp. (RSSDID: 3391147, Location: Cheyenne, WY)
    Date Established: July 15, 1955
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: Yes)
    FDIC's unique #: 11463
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 15, 1955
    Last Structure Change Effective Date: October 01, 2006
    Last Structure Change Process Date: November 08, 2006
    Last Data Update: November 08, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 115 South Walnut, Kimball, NE 69145
    County: Kimball
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $241.0 mil
    Equity capital: $21.8 mil
    Deposits held in domestic offices: $208.9 mil
    Return on assets (ROA): -4.91% (-$11.8 mil)
    Quarterly return on assets: -1.38% (-$3.3 mil)
    Return on Equity (ROE): -51.83% (-$11.4 mil)
    Quarterly return on equity: -15.00% (-$3.3 mil)
    Net income: -$12.2 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -4.91% (-$11,834.2 mil)
    Quarterly Pretax return on assets: -1.38% (-$3,326.1 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
  • 53Total employees (full-time equivalent)
  • $241,022Total assets
  • $6,860Cash and due from depository institutions
  • $0Interest-bearing balances
  • $31,171Securities
  • $15,080Federal funds sold & reverse repurchase agreements
  • $171,019Net loans & leases
  • $7,246Loan loss allowance
  • $0Trading account assets
  • $5,946Bank premises and fixed assets
  • $6,527Other real estate owned
  • $0Goodwill and other intangibles
  • $241,022Life insurance assets
  • $4,419All other assets
  • $219,260Total liabilities and capital
  • $208,860Total liabilities
  • $161,473Total deposits
  • $208,860Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $400Subordinated debt
  • $21,762All other liabilities
  • $21,762Total equity capital
  • $21,762Total bank equity capital
  • $0Perpetual preferred stock
  • $2,175Common stock
  • $36,025Surplus
  • $-16,438Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28,908Income earned, not collected on loans
  • $0Earning assets
  • $1,565Long-term assets (5+ years)
  • $217,270Average Assets, year-to-date
  • $28,794Average Assets, quarterly
  • $248,552Volatile liabilities
  • $241,833Insider loans
  • $185,239FHLB advances
  • $241,272Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,811Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,504Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,463Total interest income
  • $2,534Total interest expense
  • $7,929Net interest income
  • $7,605Provision for loan and lease losses
  • -$6,186Total noninterest income
  • $0Fiduciary activities
  • $503Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$6,689Additional noninterest income
  • $6,334Total noninterest expense
  • $2,737Salaries and employee benefits
  • $661Premises and equipment expense
  • $2,936Additional noninterest expense
  • -$12,196Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$12,196Income before extraordinary items
  • $0Extraordinary gains - net
  • -$12,196Net income attributable to bank
  • $0Net charge-offs
  • -$12,196Cash dividends
  • $6,811Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.54%Net interest margin
  • -2.76%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • -4.91%Net operating income to assets
  • -4.91%Return on assets (ROA)
  • -4.91%Pretax return on assets
  • -51.83%Return on equity (ROE)
  • -51.83%Retained earnings to average equity (YTD only)
  • 3.60%Net charge-offs to loans
  • 111.66%Credit loss provision to net charge-offs
  • -0.67%Efficiency ratio
  • 363,396Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.06%Loss allowance to noncurrent loans
  • 25.07%Noncurrent assets plus other real estate owned to assets
  • 14.70%Noncurrent loans to loans
  • 16.22%Net loans and leases to deposits
  • 81.88%Net loans and leases to core deposits
  • 85.61%Equity capital to assets
  • 9.03%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 11.77%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $248,552Average earning assets
  • $23,529Average equity
  • $223,790Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011463Firstier Bank115 South Walnut, Kimball, NE 69145July 15, 1955Full Service Brick and Mortar
    214576Firstier Bank Branch222 North Tyler Street, Elm Creek, NE 68836May 19, 1973Full Service Brick and Mortar
    3441972Firstier Bank Branch229 West 4th Avenue, Holdrege, NE 68949June 30, 2005Full Service Brick and Mortar
    7459442Firstier Bank Branch1015 2nd Avenue, Kearney, NE 68847Febuary 01, 2007Full Service Brick and Mortar
  • 2 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4374Firstier Bank Branch1508 Stillwater, Cheyenne, WY 82009December 08, 1924Full Service Brick and Mortar
    6454690Firstier Bank Branch612 Pine Street, Upton, WY 82730August 01, 2006Full Service Brick and Mortar

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