First National Bank of Chadron in city_name, state_name - Detailed Financial Reports, Location

First National Bank of Chadron in Chadron, Nebraska (NE)
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First National Bank of Chadron routing number info

First National Bank of Chadron - Overview

General
FDIC Certificate #: 16859
Status: Active
Federal Reserve ID: 239752
Bank Holding Company (Regulatory Top Holder): C.S.b. Co. (RSSDID: 1055696, Location: Cozad, NE)
Date Established: January 01, 1887
WWW: http://www.fnb4me.com
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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 10957
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: December 22, 1949
Last Structure Change Effective Date: Febuary 07, 2007
Last Structure Change Process Date: Febuary 12, 2007
Last Data Update: Febuary 12, 2007
Data Source Date: April 05, 2012
Location
Address: 202 Main Street, Chadron, NE 69337
County: Dawes
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: $111.7 mil
Equity capital: $14.8 mil
Deposits held in domestic offices: $87.8 mil
Return on assets (ROA): 1.46% ($1.6 mil)
Quarterly return on assets: 1.14% ($1.3 mil)
Return on Equity (ROE): 11.03% ($1.7 mil)
Quarterly return on equity: 8.67% ($1.3 mil)
Net income: $1.6 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.50% ($1,675.0 mil)
Quarterly Pretax return on assets: 1.17% ($1,306.5 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
30Total employees (full-time equivalent)
$111,664Total assets
$18,947Cash and due from depository institutions
$15,452Interest-bearing balances
$21,134Securities
$1,300Federal funds sold & reverse repurchase agreements
$60,767Net loans & leases
$1,006Loan loss allowance
$0Trading account assets
$3,271Bank premises and fixed assets
$0Other real estate owned
$2,792Goodwill and other intangibles
$111,664Life insurance assets
$3,453All other assets
$96,908Total liabilities and capital
$87,799Total liabilities
$75,266Total deposits
$87,799Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,694Trading liabilities
$0Other borrowed funds
$415Subordinated debt
$14,756All other liabilities
$14,756Total equity capital
$14,756Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$11,662Surplus
$2,894Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$17Income earned, not collected on loans
$14Earning assets
$1,374Long-term assets (5+ years)
$98,653Average Assets, year-to-date
$9,893Average Assets, quarterly
$111,044Volatile liabilities
$113,118Insider loans
$75,681FHLB advances
$109,621Loans and leases held for sale
$395Unused loan commitments
$395Tier 1 (core) risk-based capital
$11,919Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$20,166Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,927Total interest income
$904Total interest expense
$4,023Net interest income
$0Provision for loan and lease losses
$579Total noninterest income
$0Fiduciary activities
$228Service charges on deposit accounts
$0Trading account gains & fees
$351Additional noninterest income
$2,939Total noninterest expense
$1,775Salaries and employee benefits
$270Premises and equipment expense
$894Additional noninterest expense
$1,663Pre-tax net operating income
$0Securities gains (losses)
$41Applicable income taxes
$1,622Income before extraordinary items
$0Extraordinary gains - net
$1,622Net income attributable to bank
$0Net charge-offs
$1,622Cash dividends
-$6Sale, conversion, retirement of capital stock, net
$1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
0.92%Cost of funding earning assets
4.07%Net interest margin
0.59%Noninterest income to earning assets
2.98%Noninterest expense to earning assets
1.46%Net operating income to assets
1.46%Return on assets (ROA)
1.50%Pretax return on assets
11.03%Return on equity (ROE)
4.23%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,864Assets per employee
3.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.65%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
5917.65%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.03%Net loans and leases to deposits
69.21%Net loans and leases to core deposits
71.28%Equity capital to assets
13.21%Core capital (leverage) ratio
10.87%Tier 1 risk-based capital ratio
15.75%Total risk-based capital ratio
Memoranda
$17Average assets
$111,044Average earning assets
$14,708Average equity
$98,753Average loans

List of branches

3 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	10957	First National Bank Of Chadron	202 Main Street, Chadron, NE 69337	January 01, 1887	Full Service Brick and Mortar
3	3623	The First National Bank Of Ainsworth	317 North Main Street, Ainsworth, NE 69210	January 01, 1883	Full Service Brick and Mortar
4	207634	Drive-Up Facility	156 North Main Street, Ainsworth, NE 69210	October 06, 1990	Limited Service Facility

First National Bank of Chadron in Chadron, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Chadron - 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 National Bank of Chadron in Chadron, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Chadron - 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 National Bank of Chadron in Chadron, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches