First Community Bank in Beemer, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank - Overview

  • General
  • FDIC Certificate #: 5384
    Status: Active
    Federal Reserve ID: 993250
    Bank Holding Company (Regulatory Top Holder): First Beemer Corporation (RSSDID: 1059733, Location: Beemer, NE)
    Date Established: April 07, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13628
    FDIC's unique #: 3634
    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 10, 2010
    Last Structure Change Process Date: June 14, 2010
    Last Data Update: June 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Main Street, Beemer, NE 68716
    County: Cuming
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    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: $121.2 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $103.3 mil
    Return on assets (ROA): 0.78% ($0.9 mil)
    Quarterly return on assets: 0.53% ($0.6 mil)
    Return on Equity (ROE): 8.59% ($0.9 mil)
    Quarterly return on equity: 6.02% ($0.6 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.10% ($1,333.0 mil)
    Quarterly Pretax return on assets: 0.85% ($1,030.1 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
  • 24Total employees (full-time equivalent)
  • $121,183Total assets
  • $13,092Cash and due from depository institutions
  • $2,584Interest-bearing balances
  • $28,406Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $72,616Net loans & leases
  • $1,535Loan loss allowance
  • $0Trading account assets
  • $1,072Bank premises and fixed assets
  • $0Other real estate owned
  • $710Goodwill and other intangibles
  • $121,183Life insurance assets
  • $5,287All other assets
  • $111,111Total liabilities and capital
  • $103,346Total liabilities
  • $83,867Total deposits
  • $103,346Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,840Trading liabilities
  • $0Other borrowed funds
  • $925Subordinated debt
  • $10,072All other liabilities
  • $10,072Total equity capital
  • $10,072Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $6,100Surplus
  • $3,822Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $62Income earned, not collected on loans
  • $0Earning assets
  • $1,397Long-term assets (5+ years)
  • $103,606Average Assets, year-to-date
  • $19,442Average Assets, quarterly
  • $111,746Volatile liabilities
  • $117,236Insider loans
  • $84,215FHLB advances
  • $116,865Loans and leases held for sale
  • $2,134Unused loan commitments
  • $2,134Tier 1 (core) risk-based capital
  • $9,111Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $36,345Restructured Loans and leases
  • $46Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,894Total interest income
  • $1,171Total interest expense
  • $3,723Net interest income
  • $10Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $194Service charges on deposit accounts
  • $0Trading account gains & fees
  • $246Additional noninterest income
  • $3,228Total noninterest expense
  • $1,951Salaries and employee benefits
  • $394Premises and equipment expense
  • $883Additional noninterest expense
  • $925Pre-tax net operating income
  • $304Securities gains (losses)
  • $361Applicable income taxes
  • $868Income before extraordinary items
  • $0Extraordinary gains - net
  • $868Net income attributable to bank
  • $0Net charge-offs
  • $868Cash dividends
  • -$25Sale, conversion, retirement of capital stock, net
  • $525Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 8.59%Return on equity (ROE)
  • 3.39%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • -40.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 77,540Assets per employee
  • 5.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.48%Loss allowance to loans
  • 2.07%Loss allowance to noncurrent loans
  • 2475.81%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 70.26%Net loans and leases to core deposits
  • 88.68%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 10.82%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $111,746Average earning assets
  • $10,109Average equity
  • $95,857Average loans

List of branches

  • 3 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03634First Community Bank201 Main Street, Beemer, NE 68716April 07, 1903Full Service Brick and Mortar
    112850Homer Branch109 John Street, Homer, NE 68030April 26, 1954Full Service Brick and Mortar
    2793Bancroft BranchN Main Street, Bancroft, NE 68004January 01, 1891Full Service Brick and Mortar

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