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

First Nebraska Bank - Overview

  • General
  • FDIC Certificate #: 12248
    Status: Active
    Federal Reserve ID: 576952
    Bank Holding Company (Regulatory Top Holder): Valley Bank Shares, Inc. (RSSDID: 1057430, Location: Valley, NE)
    Date Established: January 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 15755
    FDIC's unique #: 7787
    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 19, 2010
    Last Structure Change Process Date: March 10, 2010
    Last Data Update: March 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 330 North Spruce Street, Valley, NE 68064
    County: Douglas
    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
    Metropolitan Statistical Area (MSA): Omaha, NE-IA (#5920)
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $178.1 mil
    Equity capital: $16.8 mil
    Deposits held in domestic offices: $148.7 mil
    Return on assets (ROA): 1.44% ($2.6 mil)
    Quarterly return on assets: 1.55% ($2.8 mil)
    Return on Equity (ROE): 15.92% ($2.7 mil)
    Quarterly return on equity: 16.68% ($2.8 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.48% ($2,636.5 mil)
    Quarterly Pretax return on assets: 1.59% ($2,832.5 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
  • 57Total employees (full-time equivalent)
  • $178,145Total assets
  • $8,908Cash and due from depository institutions
  • $4,069Interest-bearing balances
  • $46,080Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $114,377Net loans & leases
  • $1,155Loan loss allowance
  • $0Trading account assets
  • $3,065Bank premises and fixed assets
  • $984Other real estate owned
  • $0Goodwill and other intangibles
  • $178,145Life insurance assets
  • $4,731All other assets
  • $161,303Total liabilities and capital
  • $148,673Total liabilities
  • $122,891Total deposits
  • $148,673Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 5662.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,704Trading liabilities
  • $0Other borrowed funds
  • $1,264Subordinated debt
  • $16,842All other liabilities
  • $16,842Total equity capital
  • $16,842Total bank equity capital
  • $0Perpetual preferred stock
  • $2,933Common stock
  • $3,402Surplus
  • $10,507Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,283Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $363Income earned, not collected on loans
  • $0Earning assets
  • $1,582Long-term assets (5+ years)
  • $164,526Average Assets, year-to-date
  • $20,078Average Assets, quarterly
  • $181,413Volatile liabilities
  • $181,238Insider loans
  • $152,244FHLB advances
  • $182,814Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,895Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,684Restructured Loans and leases
  • $211Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,772Total interest income
  • $1,320Total interest expense
  • $6,452Net interest income
  • $200Provision for loan and lease losses
  • $1,461Total noninterest income
  • $0Fiduciary activities
  • $421Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,040Additional noninterest income
  • $5,028Total noninterest expense
  • $2,721Salaries and employee benefits
  • $469Premises and equipment expense
  • $1,838Additional noninterest expense
  • $2,685Pre-tax net operating income
  • $0Securities gains (losses)
  • $72Applicable income taxes
  • $2,613Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,613Net income attributable to bank
  • $0Net charge-offs
  • $2,613Cash dividends
  • $417Sale, conversion, retirement of capital stock, net
  • $2,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 15.92%Return on equity (ROE)
  • 3.12%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 47.96%Credit loss provision to net charge-offs
  • 6.92%Efficiency ratio
  • 63,541Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.37%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 318.18%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 76.93%Net loans and leases to core deposits
  • 80.41%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 10.44%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $181,413Average earning assets
  • $16,418Average equity
  • $167,999Average loans

List of branches

  • 8 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07787First Nebraska Bank330 North Spruce Street, Valley, NE 68064January 01, 1934Full Service Brick and Mortar
    17331Brainard BranchMadison Street, Brainard, NE 68626January 01, 1886Full Service Brick and Mortar
    316676Columbus Branch3225 - 23rd Street, Columbus, NE 68601June 01, 1982Full Service Brick and Mortar
    49121Decatur BranchMain Street, Decatur, NE 68020July 11, 1934Full Service Brick and Mortar
    53646Emerson Branch1000 Main Street, Emerson, NE 68733January 01, 1904Full Service Brick and Mortar
    63711Stanton Branch1019 Ivy Street, Stanton, NE 68779January 01, 1879Full Service Brick and Mortar
    78957Arcadia BranchMain Street, Arcadia, NE 68815May 04, 1888Full Service Brick and Mortar
    8492453Administration Branch3225-23rd Street, Columbus, NE 68601January 01, 2009Limited Service Administrative

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