First Bank and Trust of Fullerton in city_name, state_name - Detailed Financial Reports, Location

First Bank and Trust of Fullerton in Fullerton, Nebraska (NE)
Show street view No street view available for this location

First Bank and Trust of Fullerton routing number info

First Bank and Trust of Fullerton - Overview

General
FDIC Certificate #: 5405
Status: Active
Federal Reserve ID: 266655
Bank Holding Company (Regulatory Top Holder): First National Holding Company, Inc. (RSSDID: 1247811, Location: Fullerton, NE)
Date Established: October 01, 1881
WWW: http://www.fbtfullerton.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 15703
FDIC's unique #: 3652
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 28, 2010
Last Structure Change Process Date: June 30, 2010
Last Data Update: June 30, 2010
Data Source Date: April 05, 2012
Location
Address: 230 Broadway, Fullerton, NE 68638
County: Nance
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
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $66.4 mil
Equity capital: $11.5 mil
Deposits held in domestic offices: $49.9 mil
Return on assets (ROA): 0.80% ($0.5 mil)
Quarterly return on assets: 0.92% ($0.6 mil)
Return on Equity (ROE): 4.58% ($0.5 mil)
Quarterly return on equity: 5.23% ($0.6 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.03% ($684.1 mil)
Quarterly Pretax return on assets: 1.22% ($810.3 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
13Total employees (full-time equivalent)
$66,419Total assets
$11,991Cash and due from depository institutions
$6,812Interest-bearing balances
$11,687Securities
$0Federal funds sold & reverse repurchase agreements
$40,361Net loans & leases
$600Loan loss allowance
$0Trading account assets
$284Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$66,419Life insurance assets
$2,096All other assets
$54,873Total liabilities and capital
$49,859Total liabilities
$44,450Total deposits
$49,859Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,495Trading liabilities
$0Other borrowed funds
$519Subordinated debt
$11,546All other liabilities
$11,546Total equity capital
$11,546Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$9,150Surplus
$2,246Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$105Income earned, not collected on loans
$0Earning assets
$1,061Long-term assets (5+ years)
$58,860Average Assets, year-to-date
$13,836Average Assets, quarterly
$63,802Volatile liabilities
$65,074Insider loans
$50,076FHLB advances
$63,733Loans and leases held for sale
$145Unused loan commitments
$145Tier 1 (core) risk-based capital
$11,269Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,085Restructured Loans and leases
$2,504Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,754Total interest income
$739Total interest expense
$2,015Net interest income
$0Provision for loan and lease losses
$177Total noninterest income
$0Fiduciary activities
$123Service charges on deposit accounts
$0Trading account gains & fees
$54Additional noninterest income
$1,540Total noninterest expense
$860Salaries and employee benefits
$232Premises and equipment expense
$448Additional noninterest expense
$652Pre-tax net operating income
$2Securities gains (losses)
$141Applicable income taxes
$513Income before extraordinary items
$0Extraordinary gains - net
$513Net income attributable to bank
$0Net charge-offs
$513Cash dividends
$13Sale, conversion, retirement of capital stock, net
$286Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.66%Yield on earning assets
1.25%Cost of funding earning assets
3.41%Net interest margin
0.30%Noninterest income to earning assets
2.60%Noninterest expense to earning assets
0.80%Net operating income to assets
0.80%Return on assets (ROA)
1.03%Pretax return on assets
4.58%Return on equity (ROE)
2.02%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
50.15%Efficiency ratio
70,255Assets per employee
5.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
55.75%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
571.43%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.26%Net loans and leases to deposits
80.95%Net loans and leases to core deposits
86.05%Equity capital to assets
17.38%Core capital (leverage) ratio
17.68%Tier 1 risk-based capital ratio
22.50%Total risk-based capital ratio
Memoranda
$24Average assets
$63,802Average earning assets
$11,211Average equity
$59,118Average loans

List of branches

2 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3652	First Bank And Trust Of Fullerton	230 Broadway, Fullerton, NE 68638	October 01, 1881	Full Service Brick and Mortar
1	473133	St. Edward Branch	205 Beaver St, Saint Edward, NE 68660	December 17, 2007	Full Service Brick and Mortar

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

First Bank and Trust of Fullerton - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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

First Bank and Trust of Fullerton - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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