First National Bank Northeast in Lyons, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank Northeast in Lyons, Nebraska (NE)
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First National Bank Northeast - Overview

  • General
  • FDIC Certificate #: 5432
    Status: Active
    Federal Reserve ID: 208655
    Bank Holding Company (Regulatory Top Holder): Central Agency, Inc. (RSSDID: 4151302, Location: Lincoln, NE)
    Date Established: April 01, 1902
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 13630
    FDIC's unique #: 3675
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 440 Main Street, Lyons, NE 68038
    County: Burt
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $244.7 mil
    Equity capital: $24.0 mil
    Deposits held in domestic offices: $200.0 mil
    Return on assets (ROA): 1.10% ($2.7 mil)
    Quarterly return on assets: 1.09% ($2.7 mil)
    Return on Equity (ROE): 11.35% ($2.7 mil)
    Quarterly return on equity: 11.12% ($2.7 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.56% ($3,816.6 mil)
    Quarterly Pretax return on assets: 1.52% ($3,718.7 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, 2011)

  • Dollar figures in thousands
  • 57Total employees (full-time equivalent)
  • $244,654Total assets
  • $8,599Cash and due from depository institutions
  • $220Interest-bearing balances
  • $61,986Securities
  • $1,734Federal funds sold & reverse repurchase agreements
  • $163,548Net loans & leases
  • $2,386Loan loss allowance
  • $0Trading account assets
  • $2,551Bank premises and fixed assets
  • $0Other real estate owned
  • $1,182Goodwill and other intangibles
  • $244,654Life insurance assets
  • $5,054All other assets
  • $220,664Total liabilities and capital
  • $200,022Total liabilities
  • $159,185Total deposits
  • $200,022Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 13882.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,340Trading liabilities
  • $0Other borrowed funds
  • $420Subordinated debt
  • $23,990All other liabilities
  • $23,990Total equity capital
  • $23,990Total bank equity capital
  • $0Perpetual preferred stock
  • $433Common stock
  • $6,931Surplus
  • $16,626Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $33Income earned, not collected on loans
  • $0Earning assets
  • $3,040Long-term assets (5+ years)
  • $227,488Average Assets, year-to-date
  • $52,889Average Assets, quarterly
  • $238,474Volatile liabilities
  • $242,611Insider loans
  • $224,497FHLB advances
  • $243,637Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,248Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $62,610Restructured Loans and leases
  • $7,903Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,471Total interest income
  • $2,505Total interest expense
  • $7,966Net interest income
  • $480Provision for loan and lease losses
  • $599Total noninterest income
  • $0Fiduciary activities
  • $430Service charges on deposit accounts
  • $0Trading account gains & fees
  • $169Additional noninterest income
  • $4,700Total noninterest expense
  • $3,015Salaries and employee benefits
  • $529Premises and equipment expense
  • $1,156Additional noninterest expense
  • $3,385Pre-tax net operating income
  • $340Securities gains (losses)
  • $1,108Applicable income taxes
  • $2,617Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,617Net income attributable to bank
  • $0Net charge-offs
  • $2,617Cash dividends
  • -$45Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.10%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 11.35%Return on equity (ROE)
  • 7.45%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -1066.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,874Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.39%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 7230.30%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 81.77%Net loans and leases to core deposits
  • 84.61%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 9.13%Tier 1 risk-based capital ratio
  • 9.91%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $238,474Average earning assets
  • $23,060Average equity
  • $224,181Average loans

List of branches

  • 9 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03675First National Bank Northeast440 Main Street, Lyons, NE 68038April 01, 1902Full Service Brick and Mortar
    132029Uehling BranchMain Street, Uehling, NE 68063December 20, 1984Full Service Brick and Mortar
    33715Tekamah Branch448 South 13th Street, Tekamah, NE 68061January 01, 1890Full Service Brick and Mortar
    43665Hooper Branch102 North Main Street, Hooper, NE 68031January 01, 1886Full Service Brick and Mortar
    53691North Oakland Branch212 North Oakland Avenue, Oakland, NE 68045January 07, 1892Full Service Brick and Mortar
    62770962300 Laverna Branch2300 Laverna, Fremont, NE 68025January 01, 1886Full Service Brick and Mortar
    7429752Hartington Branch308 N Broadway, Hartington, NE 68739March 01, 2003Full Service Brick and Mortar
    8429753Ceresco Office Branch362 County Road 18, Ceresco, NE 68017March 01, 2003Full Service Brick and Mortar
    9431596Oakland Branch213-215 North Chard Street, Oakland, NE 68045August 02, 2004Full Service Brick and Mortar

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