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


  • Foundation First Bank in Waterloo, Nebraska (NE)
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Foundation First Bank routing number info

Foundation First Bank - Overview

  • General
  • FDIC Certificate #: 18761
    Status: Active
    Federal Reserve ID: 102557
    Bank Holding Company (Regulatory Top Holder): Foundation First Corporation (RSSDID: 3822874, Location: Omaha, NE)
    Date Established: January 01, 1905
    WWW: http://www.myfoundationfirst.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 12626
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 25, 1963
    Last Structure Change Effective Date: April 30, 2009
    Last Structure Change Process Date: May 19, 2009
    Last Data Update: May 19, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 23804 Cedar Drive, Waterloo, NE 68069
    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
  • Name Change
  • Financial Summary
  • Total assets: $47.8 mil
    Equity capital: $5.6 mil
    Deposits held in domestic offices: $41.4 mil
    Return on assets (ROA): 0.01% ($0.0 mil)
    Quarterly return on assets: 1.11% ($0.5 mil)
    Return on Equity (ROE): 0.11% ($0.0 mil)
    Quarterly return on equity: 9.40% ($0.6 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.01% ($4.8 mil)
    Quarterly Pretax return on assets: 1.11% ($530.8 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
  • 19Total employees (full-time equivalent)
  • $47,821Total assets
  • $4,519Cash and due from depository institutions
  • $3,440Interest-bearing balances
  • $5,843Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,748Net loans & leases
  • $357Loan loss allowance
  • $0Trading account assets
  • $1,385Bank premises and fixed assets
  • $0Other real estate owned
  • $705Goodwill and other intangibles
  • $47,821Life insurance assets
  • $621All other assets
  • $42,238Total liabilities and capital
  • $41,379Total liabilities
  • $35,482Total deposits
  • $41,379Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $700Trading liabilities
  • $0Other borrowed funds
  • $159Subordinated debt
  • $5,583All other liabilities
  • $5,583Total equity capital
  • $5,583Total bank equity capital
  • $0Perpetual preferred stock
  • $412Common stock
  • $5,950Surplus
  • $-779Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,930Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2Income earned, not collected on loans
  • $0Earning assets
  • $162Long-term assets (5+ years)
  • $44,031Average Assets, year-to-date
  • $9,040Average Assets, quarterly
  • $44,120Volatile liabilities
  • $46,722Insider loans
  • $33,142FHLB advances
  • $46,234Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,886Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,835Restructured Loans and leases
  • $604Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,848Total interest income
  • $517Total interest expense
  • $1,331Net interest income
  • $75Provision for loan and lease losses
  • $595Total noninterest income
  • $0Fiduciary activities
  • $127Service charges on deposit accounts
  • $0Trading account gains & fees
  • $468Additional noninterest income
  • $1,848Total noninterest expense
  • $991Salaries and employee benefits
  • $339Premises and equipment expense
  • $518Additional noninterest expense
  • $3Pre-tax net operating income
  • $0Securities gains (losses)
  • -$3Applicable income taxes
  • $6Income before extraordinary items
  • $0Extraordinary gains - net
  • $6Net income attributable to bank
  • $0Net charge-offs
  • $6Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.33%Net interest margin
  • 1.49%Noninterest income to earning assets
  • 4.62%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.11%Return on equity (ROE)
  • 0.11%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -3750.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 94,652Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 17850.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 83.97%Net loans and leases to core deposits
  • 99.16%Equity capital to assets
  • 11.67%Core capital (leverage) ratio
  • 10.57%Tier 1 risk-based capital ratio
  • 14.74%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $44,120Average earning assets
  • $5,528Average equity
  • $39,991Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    012626Foundation First Bank23804 Cedar Drive, Waterloo, NE 68069January 01, 1905Full Service Brick and Mortar
    1505474North 156th Street Branch4141 North 156th Street, Omaha, NE 68116Febuary 15, 2010Full Service Brick and Mortar

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