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

First State Bank & Trust Company in Fremont, Nebraska (NE)
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First State Bank & Trust Company routing number info

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First State Bank & Trust Company - Overview

General
FDIC Certificate #: 17639
Status: Active
Federal Reserve ID: 1155
Bank Holding Company (Regulatory Top Holder): First State Fremont, Inc. (RSSDID: 1247231, Location: Fremont, NE)
Date Established: July 30, 1956
WWW: http://www.firststatebankandtrust.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 13449
FDIC's unique #: 11606
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 30, 1956
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: 1005 East 23rd Street, Fremont, NE 68025
County: Dodge
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
Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
Core Based Statistical Area (CBSA): Fremont, NE (#23340)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $219.1 mil
Equity capital: $19.6 mil
Deposits held in domestic offices: $190.2 mil
Return on assets (ROA): 1.12% ($2.5 mil)
Quarterly return on assets: 1.18% ($2.6 mil)
Return on Equity (ROE): 12.46% ($2.5 mil)
Quarterly return on equity: 12.98% ($2.6 mil)
Net income: $2.3 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.12% ($2,453.4 mil)
Quarterly Pretax return on assets: 1.22% ($2,672.5 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
53Total employees (full-time equivalent)
$219,058Total assets
$47,375Cash and due from depository institutions
$39,995Interest-bearing balances
$22,843Securities
$0Federal funds sold & reverse repurchase agreements
$132,803Net loans & leases
$2,711Loan loss allowance
$0Trading account assets
$4,163Bank premises and fixed assets
$4,923Other real estate owned
$0Goodwill and other intangibles
$219,058Life insurance assets
$6,951All other assets
$199,490Total liabilities and capital
$190,179Total liabilities
$168,707Total deposits
$190,179Interest-bearing deposits
$93Deposits held in domestic offices
7483.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,828Subordinated debt
$19,568All other liabilities
$19,568Total equity capital
$19,568Total bank equity capital
$0Perpetual preferred stock
$1,600Common stock
$4,900Surplus
$13,068Undivided profits
Memoranda
$0Noncurrent loans and leases
$139Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,164Income earned, not collected on loans
$0Earning assets
$1,152Long-term assets (5+ years)
$195,641Average Assets, year-to-date
$15,252Average Assets, quarterly
$208,753Volatile liabilities
$214,745Insider loans
$152,821FHLB advances
$215,362Loans and leases held for sale
$3,994Unused loan commitments
$3,994Tier 1 (core) risk-based capital
$18,874Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$24,968Restructured Loans and leases
$7,478Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,384Total interest income
$2,225Total interest expense
$7,159Net interest income
$1,058Provision for loan and lease losses
$1,886Total noninterest income
$135Fiduciary activities
$841Service charges on deposit accounts
$0Trading account gains & fees
$910Additional noninterest income
$5,639Total noninterest expense
$2,772Salaries and employee benefits
$528Premises and equipment expense
$2,339Additional noninterest expense
$2,348Pre-tax net operating income
$0Securities gains (losses)
$14Applicable income taxes
$2,334Income before extraordinary items
$0Extraordinary gains - net
$2,334Net income attributable to bank
$0Net charge-offs
$2,334Cash dividends
$468Sale, conversion, retirement of capital stock, net
$567Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
1.19%Cost of funding earning assets
3.81%Net interest margin
1.00%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
1.12%Net operating income to assets
1.12%Return on assets (ROA)
1.12%Pretax return on assets
12.46%Return on equity (ROE)
9.44%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
226.07%Credit loss provision to net charge-offs
7.28%Efficiency ratio
62,344Assets per employee
4.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.29%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
65.11%Noncurrent assets plus other real estate owned to assets
4.15%Noncurrent loans to loans
3.07%Net loans and leases to deposits
69.83%Net loans and leases to core deposits
73.38%Equity capital to assets
8.93%Core capital (leverage) ratio
8.76%Tier 1 risk-based capital ratio
12.35%Total risk-based capital ratio
Memoranda
$14Average assets
$208,753Average earning assets
$18,726Average equity
$187,691Average 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
$54,353Managed Assets
1Number of Accounts
$21,296Personal trust and agency accounts
$13,559Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$7,737Fiduciary accounts held in foreign offices
$0Non-managed Assets
88Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$33,057Other retirement accounts
$0Corporate trust and agency accounts
$31,504Other fiduciary accounts
$1,553Fiduciary accounts held in foreign offices

List of branches

4 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11606	First State Bank & Trust Company	1005 East 23rd Street, Fremont, NE 68025	July 30, 1956	Full Service Brick and Mortar
2	242405	Parkview Office Branch	1965 East Military Avenue, Fremont, NE 68025	November 25, 1974	Full Service Brick and Mortar
3	242406	Downtown Office Branch	225 North Main Street, Fremont, NE 68025	November 21, 1988	Full Service Brick and Mortar
4	242407	Walmart Office Branch	3010 East 23rd Avenue North, Fremont, NE 68025	March 06, 2000	Full Service Retail

First State Bank & Trust Company in Fremont, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank & Trust Company - 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

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First State Bank & Trust Company in Fremont, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank & Trust Company - 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 & Trust Company in Fremont, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches