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

Geneva State Bank - Overview

  • General
  • FDIC Certificate #: 18740
    Status: Active
    Federal Reserve ID: 88455
    Bank Holding Company (Regulatory Top Holder): Geneva State Company (RSSDID: 1834396, Location: Geneva, NE)
    Date Established: March 03, 1899
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14701
    FDIC's unique #: 12606
    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: March 28, 1963
    Last Structure Change Effective Date: Febuary 17, 2011
    Last Structure Change Process Date: Febuary 23, 2011
    Last Data Update: Febuary 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 896 G Street, Geneva, NE 68361
    County: Fillmore
    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
  • Financial Summary
  • Total assets: $228.2 mil
    Equity capital: $19.8 mil
    Deposits held in domestic offices: $168.3 mil
    Return on assets (ROA): 1.05% ($2.4 mil)
    Quarterly return on assets: 1.27% ($2.9 mil)
    Return on Equity (ROE): 12.79% ($2.6 mil)
    Quarterly return on equity: 14.63% ($2.9 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.41% ($3,217.5 mil)
    Quarterly Pretax return on assets: 1.53% ($3,491.3 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
  • 54Total employees (full-time equivalent)
  • $228,189Total assets
  • $23,617Cash and due from depository institutions
  • $17,383Interest-bearing balances
  • $46,516Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $146,129Net loans & leases
  • $1,926Loan loss allowance
  • $0Trading account assets
  • $2,292Bank premises and fixed assets
  • $100Other real estate owned
  • $541Goodwill and other intangibles
  • $228,189Life insurance assets
  • $8,994All other assets
  • $208,427Total liabilities and capital
  • $168,290Total liabilities
  • $145,178Total deposits
  • $168,290Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 22022.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,569Trading liabilities
  • $0Other borrowed funds
  • $2,546Subordinated debt
  • $19,762All other liabilities
  • $19,762Total equity capital
  • $19,762Total bank equity capital
  • $0Perpetual preferred stock
  • $1,337Common stock
  • $14,663Surplus
  • $3,762Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $553Income earned, not collected on loans
  • $140Earning assets
  • $2,496Long-term assets (5+ years)
  • $210,028Average Assets, year-to-date
  • $42,838Average Assets, quarterly
  • $226,902Volatile liabilities
  • $225,602Insider loans
  • $168,150FHLB advances
  • $211,953Loans and leases held for sale
  • $2,104Unused loan commitments
  • $572Tier 1 (core) risk-based capital
  • $18,237Tier 2 risk-based capital
  • $690Total risk weighted assets
  • $842Total unused commitments
  • $47,605Restructured Loans and leases
  • $68Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,422Total interest income
  • $2,006Total interest expense
  • $8,416Net interest income
  • $860Provision for loan and lease losses
  • $1,177Total noninterest income
  • $253Fiduciary activities
  • $242Service charges on deposit accounts
  • $0Trading account gains & fees
  • $682Additional noninterest income
  • $5,523Total noninterest expense
  • $3,358Salaries and employee benefits
  • $658Premises and equipment expense
  • $1,507Additional noninterest expense
  • $3,210Pre-tax net operating income
  • -$1Securities gains (losses)
  • $819Applicable income taxes
  • $2,390Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,390Net income attributable to bank
  • $0Net charge-offs
  • $2,390Cash dividends
  • $328Sale, conversion, retirement of capital stock, net
  • $1,230Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.62%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 12.79%Return on equity (ROE)
  • 6.21%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 262.20%Credit loss provision to net charge-offs
  • 12.41%Efficiency ratio
  • 57,573Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.46%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 348.28%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 86.83%Net loans and leases to core deposits
  • 94.36%Equity capital to assets
  • 8.66%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 10.85%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $226,902Average earning assets
  • $18,691Average equity
  • $211,124Average 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
  • $54,802Managed Assets
  • 1Number of Accounts
  • $52,515Personal trust and agency accounts
  • $52,515Employee 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
  • 93Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,287Other retirement accounts
  • $1,920Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $367Fiduciary accounts held in foreign offices

List of branches

  • 7 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012606Geneva State Bank896 G Street, Geneva, NE 68361March 03, 1899Full Service Brick and Mortar
    1246388Drive-Up Facility815 H Street, Geneva, NE 68361June 04, 1984Limited Service Facility
    212607Shickley Branch222 North Market Street, Shickley, NE 68436January 01, 1887Full Service Brick and Mortar
    37328Grafton Branch245 North Washington Ave, Grafton, NE 68365January 01, 1902Full Service Brick and Mortar
    4365481Kearney Branch3720 2nd Avenue, Kearney, NE 68847September 30, 2002Full Service Brick and Mortar
    5473838Geneva State Bank, Hastings Branch3602 Cimarron Plaza, Hastings, NE 68901April 07, 2008Full Service Brick and Mortar
    612605Fairmont Branch509 6th Ave, Fairmont, NE 68354January 06, 1886Full Service Brick and Mortar

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