Henderson State Bank in Henderson, Nebraska (NE)



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Henderson State Bank routing number info

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Henderson State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)24
Total assets$160,621
Cash and due from depository institutions$3,271
Interest-bearing balances$5
Securities$14,658
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$133,763
Loan loss allowance $1,605
Trading account assets$0
Bank premises and fixed assets$1,547
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$7,382
Life insurance assets$160,621
Total liabilities and capital$145,991
Total liabilities$103,861
Total deposits$91,425
Interest-bearing deposits$103,861
Deposits held in domestic offices$89
% insured (estimated)12969.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$28,277
Other borrowed funds $0
Subordinated debt $884
All other liabilities $14,630
Total equity capital$14,630
Total bank equity capital$14,630
Perpetual preferred stock$0
Common stock$300
Surplus$11,956
Undivided profits $2,374
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,698
Earning assets $0
Long-term assets (5+ years) $3,467
Average Assets, year-to-date $148,426
Average Assets, quarterly $24,679
Volatile liabilities $153,607
Insider loans $156,076
FHLB advances $138,839
Loans and leases held for sale $152,785
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,448
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $35,500
Derivatives$6,803
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,323
Total interest expense $2,395
Net interest income $5,928
Provision for loan and lease losses $1,605
Total noninterest income $354
Fiduciary activities $0
Service charges on deposit accounts $81
Trading account gains & fees $0
Additional noninterest income $273
Total noninterest expense $2,596
Salaries and employee benefits $1,628
Premises and equipment expense $240
Additional noninterest expense $728
Pre-tax net operating income $2,081
Securities gains (losses) $3
Applicable income taxes $684
Income before extraordinary items $1,400
Extraordinary gains - net $0
Net income attributable to bank $1,400
Net charge-offs $0
Cash dividends $1,400
Sale, conversion, retirement of capital stock, net $1,473
Net operating income $130
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.82%
Cost of funding earning assets 1.68%
Net interest margin 4.15%
Noninterest income to earning assets 0.25%
Noninterest expense to earning assets 1.82%
Net operating income to assets 0.91%
Return on assets (ROA) 0.91%
Pretax return on assets 1.36%
Return on equity (ROE) 10.41%
Retained earnings to average equity (YTD only) 9.45%
Net charge-offs to loans 1.12%
Credit loss provision to net charge-offs 108.96%
Efficiency ratio2.50%
Assets per employee$41,324
Cash dividends to net income (YTD only)6.69%
Condition Ratios (%)
Loss allowance to loans 9.29%
Loss allowance to noncurrent loans 1.19%
Noncurrent assets plus other real estate owned to assets 34.16%
Noncurrent loans to loans 2.92%
Net loans and leases to deposits3.47%
Net loans and leases to core deposits 128.79%
Equity capital to assets 163.01%
Core capital (leverage) ratio 9.11%
Tier 1 risk-based capital ratio 9.46%
Total risk-based capital ratio 10.41%
Memoranda
Average assets$12
Average earning assets$153,607
Average equity $13,443
Average loans $142,900
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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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