First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Gothenburg, Nebraska (NE)
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First State Bank routing number info

First State Bank - Overview

General
FDIC Certificate #: 13622
Status: Active
Federal Reserve ID: 151957
Bank Holding Company (Regulatory Top Holder): Nebraska Bankshares, Inc. (RSSDID: 1054765, Location: Farnam, NE)
Date Established: January 01, 1906
WWW: http://www.1ststatebank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 15476
FDIC's unique #: 8518
Numeric code: 21
Regulator: FDIC
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: March 12, 2007
Last Structure Change Process Date: March 14, 2007
Last Data Update: March 14, 2007
Data Source Date: April 05, 2012
Location
Address: 914 Lake Street, Gothenburg, NE 69138
County: Dawson
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
Core Based Statistical Area (CBSA): Lexington, NE (#30420)
CBSA Micro Statistical Area: Yes
History of Changes
Office Purchased
Financial Summary
Total assets: $290.7 mil
Equity capital: $40.5 mil
Deposits held in domestic offices: $179.7 mil
Return on assets (ROA): 1.05% ($3.1 mil)
Quarterly return on assets: 0.87% ($2.5 mil)
Return on Equity (ROE): 7.57% ($3.0 mil)
Quarterly return on equity: 6.12% ($2.4 mil)
Net income: $3.0 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.31% ($3,808.5 mil)
Quarterly Pretax return on assets: 1.06% ($3,081.7 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
61Total employees (full-time equivalent)
$290,722Total assets
$13,032Cash and due from depository institutions
$8,037Interest-bearing balances
$75,587Securities
$0Federal funds sold & reverse repurchase agreements
$177,925Net loans & leases
$5,083Loan loss allowance
$0Trading account assets
$4,688Bank premises and fixed assets
$3,592Other real estate owned
$4,850Goodwill and other intangibles
$290,722Life insurance assets
$11,048All other assets
$250,261Total liabilities and capital
$179,676Total liabilities
$155,356Total deposits
$179,676Interest-bearing deposits
$96Deposits held in domestic offices
700.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$69,005Trading liabilities
$0Other borrowed funds
$880Subordinated debt
$40,461All other liabilities
$40,461Total equity capital
$40,461Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$24,500Surplus
$15,461Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,612Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$10,856Income earned, not collected on loans
$0Earning assets
$2,453Long-term assets (5+ years)
$261,549Average Assets, year-to-date
$73,818Average Assets, quarterly
$289,571Volatile liabilities
$286,888Insider loans
$228,260FHLB advances
$281,284Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$36,156Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$28,396Restructured Loans and leases
$217Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$13,365Total interest income
$4,327Total interest expense
$9,038Net interest income
$2,200Provision for loan and lease losses
$2,977Total noninterest income
$4Fiduciary activities
$416Service charges on deposit accounts
$0Trading account gains & fees
$2,557Additional noninterest income
$6,240Total noninterest expense
$3,553Salaries and employee benefits
$497Premises and equipment expense
$2,190Additional noninterest expense
$3,575Pre-tax net operating income
$205Securities gains (losses)
$753Applicable income taxes
$3,027Income before extraordinary items
$0Extraordinary gains - net
$3,027Net income attributable to bank
$0Net charge-offs
$3,027Cash dividends
$2,792Sale, conversion, retirement of capital stock, net
$1,900Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
1.68%Cost of funding earning assets
3.51%Net interest margin
1.16%Noninterest income to earning assets
2.42%Noninterest expense to earning assets
0.99%Net operating income to assets
1.05%Return on assets (ROA)
1.31%Pretax return on assets
7.57%Return on equity (ROE)
2.82%Retained earnings to average equity (YTD only)
1.61%Net charge-offs to loans
78.80%Credit loss provision to net charge-offs
2.07%Efficiency ratio
51,935Assets per employee
4.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.77%Loss allowance to loans
2.78%Loss allowance to noncurrent loans
46.82%Noncurrent assets plus other real estate owned to assets
5.11%Noncurrent loans to loans
5.93%Net loans and leases to deposits
99.03%Net loans and leases to core deposits
116.91%Equity capital to assets
13.92%Core capital (leverage) ratio
12.85%Tier 1 risk-based capital ratio
15.84%Total risk-based capital ratio
Memoranda
$17Average assets
$289,571Average earning assets
$39,981Average equity
$257,683Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$4,512Managed Assets
1Number of Accounts
$245Personal trust and agency accounts
$245Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
20Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$4,267Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$4,267Fiduciary accounts held in foreign offices

List of branches

4 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8518	First State Bank	914 Lake Street, Gothenburg, NE 69138	January 01, 1906	Full Service Brick and Mortar
1	229734	Detached Tellers' Facility	605 Tenth Street, Gothenburg, NE 69138	June 15, 1978	Limited Service Facility
2	288373	11902 Pierce Plaza Branch	11902 Pierce Plaza, Omaha, NE 68144	November 04, 1996	Full Service Brick and Mortar
4	453061	First State Bank - Ralston Branch	5370 South 72nd, Ralston, NE 68127	September 01, 2005	Full Service Brick and Mortar

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

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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