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

  • First State Bank in Lincoln, Nebraska (NE)
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First State Bank - Overview

  • General
  • FDIC Certificate #: 13868
    Status: Active
    Federal Reserve ID: 499453
    Bank Holding Company (Regulatory Top Holder): Wilber Co. (RSSDID: 1056581, Location: Lincoln, NE)
    Date Established: December 12, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 18 (Domestic: 18, Interstate: No)
    OTS Docket #: 13872
    FDIC's unique #: 8672
    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: Febuary 10, 1934
    Last Structure Change Effective Date: May 01, 2010
    Last Structure Change Process Date: May 06, 2010
    Last Data Update: May 06, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 4915 Old Cheney Road, Lincoln, NE 68516
    County: Lancaster
    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): Lincoln, NE (#4360)
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $360.7 mil
    Equity capital: $45.9 mil
    Deposits held in domestic offices: $282.0 mil
    Return on assets (ROA): 0.88% ($3.2 mil)
    Quarterly return on assets: 1.39% ($5.0 mil)
    Return on Equity (ROE): 7.85% ($3.6 mil)
    Quarterly return on equity: 10.89% ($5.0 mil)
    Net income: $3.1 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 0.91% ($3,282.6 mil)
    Quarterly Pretax return on assets: 1.41% ($5,086.3 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
  • 100Total employees (full-time equivalent)
  • $360,727Total assets
  • $22,750Cash and due from depository institutions
  • $13,411Interest-bearing balances
  • $48,164Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $261,565Net loans & leases
  • $3,307Loan loss allowance
  • $0Trading account assets
  • $7,456Bank premises and fixed assets
  • $2,001Other real estate owned
  • $11,675Goodwill and other intangibles
  • $360,727Life insurance assets
  • $7,116All other assets
  • $314,812Total liabilities and capital
  • $281,955Total liabilities
  • $237,048Total deposits
  • $281,955Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 3000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,914Trading liabilities
  • $0Other borrowed funds
  • $1,943Subordinated debt
  • $45,915All other liabilities
  • $45,915Total equity capital
  • $45,915Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $38,590Surplus
  • $7,175Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,151Income earned, not collected on loans
  • $141Earning assets
  • $3,265Long-term assets (5+ years)
  • $323,140Average Assets, year-to-date
  • $67,078Average Assets, quarterly
  • $352,583Volatile liabilities
  • $357,336Insider loans
  • $261,738FHLB advances
  • $345,492Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $34,771Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $36,827Restructured Loans and leases
  • $5,246Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,399Total interest income
  • $3,889Total interest expense
  • $12,510Net interest income
  • $1,698Provision for loan and lease losses
  • $1,643Total noninterest income
  • $0Fiduciary activities
  • $769Service charges on deposit accounts
  • $0Trading account gains & fees
  • $874Additional noninterest income
  • $9,343Total noninterest expense
  • $5,093Salaries and employee benefits
  • $1,318Premises and equipment expense
  • $2,932Additional noninterest expense
  • $3,112Pre-tax net operating income
  • $103Securities gains (losses)
  • $112Applicable income taxes
  • $3,103Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,103Net income attributable to bank
  • $0Net charge-offs
  • $3,103Cash dividends
  • $856Sale, conversion, retirement of capital stock, net
  • $2,750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 7.85%Return on equity (ROE)
  • 0.89%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 198.36%Credit loss provision to net charge-offs
  • 5.62%Efficiency ratio
  • 65,350Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.62%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 53.76%Noncurrent assets plus other real estate owned to assets
  • 2.26%Noncurrent loans to loans
  • 2.32%Net loans and leases to deposits
  • 92.77%Net loans and leases to core deposits
  • 94.74%Equity capital to assets
  • 12.73%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 13.28%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $352,583Average earning assets
  • $39,518Average equity
  • $317,204Average loans

List of branches

  • 18 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08672First State Bank4915 Old Cheney Road, Lincoln, NE 68516December 12, 1912Full Service Brick and Mortar
    1230552Hickman Branch655 Chestnut Street, Hickman, NE 68372June 23, 1997Full Service Brick and Mortar
    3419850Wal-Mart South Branch8700 Andermatt Dr., Lincoln, NE 68526March 19, 2003Full Service Retail
    412656Yutan Branch515 Second Street, Yutan, NE 68073November 01, 1888Full Service Brick and Mortar
    59070Wilber Bank Branch203 West Third, Wilber, NE 68465January 01, 1883Full Service Brick and Mortar
    66288Hallam Branch300 Main Street, Hallam, NE 68368January 01, 1898Full Service Brick and Mortar
    77566Dorchester Branch611 Washington, Dorchester, NE 68343Febuary 18, 1907Full Service Brick and Mortar
    8362008Loan Production Branch - Cortland221 West 4th Street, Cortland, NE 68331July 15, 2000Limited Service Loan Production
    9362009Loan Production Branch - Lincoln7101 South 82nd Street, Suite A, Lincoln, NE 68516December 01, 2000Limited Service Loan Production
    10422225Cortland Branch221 W 4th St, Cortland, NE 68331September 01, 2002Full Service Brick and Mortar
    12481409Firth Branch108 W 3rd St, Firth, NE 68358May 01, 2007Full Service Brick and Mortar
    1311040Filley Bank BranchMain Street, Filley, NE 68357June 01, 1919Full Service Brick and Mortar
    145323De Witt State Bank BranchFillmore Street, De Witt, NE 68341January 01, 1903Full Service Brick and Mortar
    1510997Western BranchMain Street, Western, NE 68464July 30, 1945Full Service Brick and Mortar
    1612616Pickrell BranchMain Street, Pickrell, NE 68422June 27, 1942Full Service Brick and Mortar
    1712655Prairie Home Branch5320 North 148th Street, Lincoln, NE 68527May 01, 1905Full Service Brick and Mortar
    19246489Waverly Branch13900 Guildford Street, Waverly, NE 68462June 26, 1995Full Service Brick and Mortar
    20360197Havelock Branch6345 Havelock Avenue, Lincoln, NE 68507May 14, 2001Full Service Brick and Mortar

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