First Bank and Trust Company in Minden, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 5438
    Status: Active
    Federal Reserve ID: 114859
    Bank Holding Company (Regulatory Top Holder): First Of Minden Financial Corporation (RSSDID: 2850432, Location: Minden, NE)
    Date Established: September 04, 1883
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13618
    FDIC's unique #: 3681
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: January 02, 2007
    Last Structure Change Process Date: January 09, 2007
    Last Data Update: January 09, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 315 East 4th Street, Minden, NE 68959
    County: Kearney
    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
    Core Based Statistical Area (CBSA): Kearney, NE (#28260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $74.7 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $51.4 mil
    Return on assets (ROA): 0.66% ($0.5 mil)
    Quarterly return on assets: 0.26% ($0.2 mil)
    Return on Equity (ROE): 7.17% ($0.5 mil)
    Quarterly return on equity: 2.75% ($0.2 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.69% ($515.1 mil)
    Quarterly Pretax return on assets: 0.28% ($209.0 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)
  • $74,658Total assets
  • $2,192Cash and due from depository institutions
  • $416Interest-bearing balances
  • $40,054Securities
  • $400Federal funds sold & reverse repurchase agreements
  • $30,344Net loans & leases
  • $458Loan loss allowance
  • $0Trading account assets
  • $158Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $74,658Life insurance assets
  • $1,510All other assets
  • $67,653Total liabilities and capital
  • $51,420Total liabilities
  • $45,219Total deposits
  • $51,420Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 15007.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,151Trading liabilities
  • $0Other borrowed funds
  • $75Subordinated debt
  • $7,005All other liabilities
  • $7,005Total equity capital
  • $7,005Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $4,600Surplus
  • $2,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $733Income earned, not collected on loans
  • $0Earning assets
  • $698Long-term assets (5+ years)
  • $71,214Average Assets, year-to-date
  • $25,016Average Assets, quarterly
  • $71,113Volatile liabilities
  • $75,251Insider loans
  • $38,354FHLB advances
  • $73,412Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,050Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,199Restructured Loans and leases
  • $764Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,497Total interest income
  • $392Total interest expense
  • $2,105Net interest income
  • $125Provision for loan and lease losses
  • $241Total noninterest income
  • $25Fiduciary activities
  • $121Service charges on deposit accounts
  • $0Trading account gains & fees
  • $95Additional noninterest income
  • $1,764Total noninterest expense
  • $1,005Salaries and employee benefits
  • $175Premises and equipment expense
  • $584Additional noninterest expense
  • $457Pre-tax net operating income
  • $36Securities gains (losses)
  • $21Applicable income taxes
  • $472Income before extraordinary items
  • $0Extraordinary gains - net
  • $472Net income attributable to bank
  • $0Net charge-offs
  • $472Cash dividends
  • $76Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.67%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.09%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 7.17%Return on equity (ROE)
  • 2.61%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 164.47%Credit loss provision to net charge-offs
  • 7.66%Efficiency ratio
  • 75,192Assets per employee
  • 4.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.56%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 62.48%Noncurrent assets plus other real estate owned to assets
  • 0.98%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 59.01%Net loans and leases to core deposits
  • 61.07%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $71,113Average earning assets
  • $6,587Average equity
  • $68,121Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $30,872Managed Assets
  • 1Number of Accounts
  • $252Personal trust and agency accounts
  • $252Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 81Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $30,620Other retirement accounts
  • $2,094Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,369Fiduciary accounts held in foreign offices

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03681First Bank And Trust Company315 East 4th Street, Minden, NE 68959September 04, 1883Full Service Brick and Mortar

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