Homestead Bank in Cozad, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Homestead Bank in Cozad, Nebraska (NE)
  • Show street view No street view available for this location

Homestead Bank - Overview

  • General
  • FDIC Certificate #: 11482
    Status: Active
    Federal Reserve ID: 140157
    Bank Holding Company (Regulatory Top Holder): C.S.b. Co. (RSSDID: 1055696, Location: Cozad, NE)
    Date Established: January 01, 1905
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 7338
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 01, 2011
    Last Structure Change Process Date: March 08, 2011
    Last Data Update: March 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 915 Meridian Avenue, Cozad, NE 69130
    County: Dawson
    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
    Core Based Statistical Area (CBSA): Lexington, NE (#30420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $231.0 mil
    Equity capital: $27.4 mil
    Deposits held in domestic offices: $197.4 mil
    Return on assets (ROA): 1.24% ($2.9 mil)
    Quarterly return on assets: 0.93% ($2.1 mil)
    Return on Equity (ROE): 10.24% ($2.8 mil)
    Quarterly return on equity: 7.70% ($2.1 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.24% ($2,864.8 mil)
    Quarterly Pretax return on assets: 0.93% ($2,148.6 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
  • 75Total employees (full-time equivalent)
  • $231,030Total assets
  • $30,478Cash and due from depository institutions
  • $21,704Interest-bearing balances
  • $44,804Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $144,524Net loans & leases
  • $1,222Loan loss allowance
  • $0Trading account assets
  • $5,024Bank premises and fixed assets
  • $0Other real estate owned
  • $1,380Goodwill and other intangibles
  • $231,030Life insurance assets
  • $4,820All other assets
  • $203,606Total liabilities and capital
  • $197,409Total liabilities
  • $161,379Total deposits
  • $197,409Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,869Trading liabilities
  • $0Other borrowed funds
  • $328Subordinated debt
  • $27,424All other liabilities
  • $27,424Total equity capital
  • $27,424Total bank equity capital
  • $0Perpetual preferred stock
  • $1,024Common stock
  • $16,596Surplus
  • $9,804Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $628Income earned, not collected on loans
  • $0Earning assets
  • $2,602Long-term assets (5+ years)
  • $211,032Average Assets, year-to-date
  • $38,127Average Assets, quarterly
  • $204,744Volatile liabilities
  • $228,572Insider loans
  • $165,155FHLB advances
  • $223,795Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,660Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $44,442Restructured Loans and leases
  • $5,547Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,326Total interest income
  • $1,518Total interest expense
  • $7,808Net interest income
  • $520Provision for loan and lease losses
  • $1,467Total noninterest income
  • $0Fiduciary activities
  • $434Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,033Additional noninterest income
  • $6,216Total noninterest expense
  • $3,763Salaries and employee benefits
  • $532Premises and equipment expense
  • $1,921Additional noninterest expense
  • $2,539Pre-tax net operating income
  • $9Securities gains (losses)
  • $0Applicable income taxes
  • $2,548Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,548Net income attributable to bank
  • $0Net charge-offs
  • $2,548Cash dividends
  • $304Sale, conversion, retirement of capital stock, net
  • $4,503Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 10.24%Return on equity (ROE)
  • -7.85%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 171.05%Credit loss provision to net charge-offs
  • 10.06%Efficiency ratio
  • 67,019Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 176.73%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 194.59%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 73.21%Net loans and leases to core deposits
  • 74.77%Equity capital to assets
  • 11.87%Core capital (leverage) ratio
  • 11.47%Tier 1 risk-based capital ratio
  • 15.54%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $204,744Average earning assets
  • $24,891Average equity
  • $189,250Average 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
  • $40Managed Assets
  • 1Number of Accounts
  • $40Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $40Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $40Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07338Homestead Bank915 Meridian Avenue, Cozad, NE 69130January 01, 1905Full Service Brick and Mortar
    23704St Paul Branch619 Grand Street, St. Paul, NE 68873January 01, 1879Full Service Brick and Mortar
    37337Wolbach BranchMain Street, Wolbach, NE 68882November 20, 1914Full Service Brick and Mortar
    4224668Lexington Branch202 East 7th Street, Lexington, NE 68850July 14, 1995Full Service Brick and Mortar
    55313Schuyler Branch1123 B Street, Schuyler, NE 68661October 24, 1887Full Service Brick and Mortar
    6218285Drive-Thru Schuyler715 West Sixteenth Street, Schuyler, NE 68661September 11, 1978Limited Service Facility
    7274519Albion Branch407 West State Street, Albion, NE 68620June 30, 1988Full Service Brick and Mortar
    811308Howells Branch231 Center Street, Howells, NE 68641December 14, 1944Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Homestead Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents