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


First State Bank - Overview

  • General
  • FDIC Certificate #: 15364
    Status: Active
    Federal Reserve ID: 861854
    Bank Holding Company (Regulatory Top Holder): First State Bancorp, Inc. (RSSDID: 2812832, Location: Randolph, NE)
    Date Established: July 01, 1935
    WWW: http://www.fsbrandolph.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 52489
    FDIC's unique #: 9691
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 14, 1936
    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: Broadway And Main Streets, Randolph, NE 68771
    County: Cedar
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    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: $49.3 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $32.1 mil
    Return on assets (ROA): 1.42% ($0.7 mil)
    Quarterly return on assets: 1.05% ($0.5 mil)
    Return on Equity (ROE): 10.30% ($0.6 mil)
    Quarterly return on equity: 7.77% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.45% ($714.2 mil)
    Quarterly Pretax return on assets: 1.08% ($532.0 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
  • 9Total employees (full-time equivalent)
  • $49,258Total assets
  • $14,416Cash and due from depository institutions
  • $13,296Interest-bearing balances
  • $4,967Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,556Net loans & leases
  • $407Loan loss allowance
  • $0Trading account assets
  • $30Bank premises and fixed assets
  • $11Other real estate owned
  • $0Goodwill and other intangibles
  • $49,258Life insurance assets
  • $1,278All other assets
  • $42,920Total liabilities and capital
  • $32,127Total liabilities
  • $27,269Total deposits
  • $32,127Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 1811.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,926Trading liabilities
  • $0Other borrowed funds
  • $56Subordinated debt
  • $6,338All other liabilities
  • $6,338Total equity capital
  • $6,338Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,200Surplus
  • $3,938Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $598Long-term assets (5+ years)
  • $46,819Average Assets, year-to-date
  • $13,598Average Assets, quarterly
  • $45,401Volatile liabilities
  • $47,030Insider loans
  • $43,748FHLB advances
  • $48,190Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,322Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,958Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,916Total interest income
  • $480Total interest expense
  • $1,436Net interest income
  • $25Provision for loan and lease losses
  • $170Total noninterest income
  • $0Fiduciary activities
  • $77Service charges on deposit accounts
  • $0Trading account gains & fees
  • $93Additional noninterest income
  • $926Total noninterest expense
  • $629Salaries and employee benefits
  • $118Premises and equipment expense
  • $179Additional noninterest expense
  • $655Pre-tax net operating income
  • $2Securities gains (losses)
  • $14Applicable income taxes
  • $643Income before extraordinary items
  • $0Extraordinary gains - net
  • $643Net income attributable to bank
  • $0Net charge-offs
  • $643Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $434Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 2.15%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 10.30%Return on equity (ROE)
  • 3.35%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 57,659Assets per employee
  • 5.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.50%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 88.88%Net loans and leases to core deposits
  • 88.88%Equity capital to assets
  • 12.87%Core capital (leverage) ratio
  • 13.12%Tier 1 risk-based capital ratio
  • 14.45%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $45,401Average earning assets
  • $6,241Average equity
  • $43,030Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09691First State BankBroadway And Main Streets, Randolph, NE 68771July 01, 1935Full Service Brick and Mortar

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