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


  • Henderson State Bank in Henderson, Nebraska (NE)
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Henderson State Bank - Overview

  • General
  • FDIC Certificate #: 17229
    Status: Active
    Federal Reserve ID: 97055
    Bank Holding Company (Regulatory Top Holder): Henderson State Company (RSSDID: 1055847, Location: Henderson, NE)
    Date Established: October 13, 1943
    WWW: http://www.hendersonstatebank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11256
    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: June 17, 1953
    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: 1040 North Main Street, Henderson, NE 68371
    County: York
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $160.6 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $103.9 mil
    Return on assets (ROA): 0.91% ($1.5 mil)
    Quarterly return on assets: 1.38% ($2.2 mil)
    Return on Equity (ROE): 10.41% ($1.6 mil)
    Quarterly return on equity: 15.21% ($2.3 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.36% ($2,184.4 mil)
    Quarterly Pretax return on assets: 2.20% ($3,533.7 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
  • 24Total employees (full-time equivalent)
  • $160,621Total assets
  • $3,271Cash and due from depository institutions
  • $5Interest-bearing balances
  • $14,658Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $133,763Net loans & leases
  • $1,605Loan loss allowance
  • $0Trading account assets
  • $1,547Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $160,621Life insurance assets
  • $7,382All other assets
  • $145,991Total liabilities and capital
  • $103,861Total liabilities
  • $91,425Total deposits
  • $103,861Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 12969.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $28,277Trading liabilities
  • $0Other borrowed funds
  • $884Subordinated debt
  • $14,630All other liabilities
  • $14,630Total equity capital
  • $14,630Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $11,956Surplus
  • $2,374Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,698Income earned, not collected on loans
  • $0Earning assets
  • $3,467Long-term assets (5+ years)
  • $148,426Average Assets, year-to-date
  • $24,679Average Assets, quarterly
  • $153,607Volatile liabilities
  • $156,076Insider loans
  • $138,839FHLB advances
  • $152,785Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,448Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $35,500Restructured Loans and leases
  • $6,803Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,323Total interest income
  • $2,395Total interest expense
  • $5,928Net interest income
  • $1,605Provision for loan and lease losses
  • $354Total noninterest income
  • $0Fiduciary activities
  • $81Service charges on deposit accounts
  • $0Trading account gains & fees
  • $273Additional noninterest income
  • $2,596Total noninterest expense
  • $1,628Salaries and employee benefits
  • $240Premises and equipment expense
  • $728Additional noninterest expense
  • $2,081Pre-tax net operating income
  • $3Securities gains (losses)
  • $684Applicable income taxes
  • $1,400Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,400Net income attributable to bank
  • $0Net charge-offs
  • $1,400Cash dividends
  • $1,473Sale, conversion, retirement of capital stock, net
  • $130Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.82%Yield on earning assets
  • 1.68%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 1.82%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 10.41%Return on equity (ROE)
  • 9.45%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 108.96%Credit loss provision to net charge-offs
  • 2.50%Efficiency ratio
  • 41,324Assets per employee
  • 6.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.29%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 34.16%Noncurrent assets plus other real estate owned to assets
  • 2.92%Noncurrent loans to loans
  • 3.47%Net loans and leases to deposits
  • 128.79%Net loans and leases to core deposits
  • 163.01%Equity capital to assets
  • 9.11%Core capital (leverage) ratio
  • 9.46%Tier 1 risk-based capital ratio
  • 10.41%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $153,607Average earning assets
  • $13,443Average equity
  • $142,900Average loans

List of branches

  • 3 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011256Henderson State Bank1040 North Main Street, Henderson, NE 68371October 13, 1943Full Service Brick and Mortar
    1466774Henderson State Bank627 Lincoln Avenue, York, NE 68467August 06, 2007Full Service Brick and Mortar
    2468139Henderson State Bank107 West O'neill Avenue, Greeley, NE 68842September 24, 2007Full Service Brick and Mortar

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