Horizon Bank in Waverly, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Horizon Bank in Waverly, Nebraska (NE)
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Horizon Bank - Overview

  • General
  • FDIC Certificate #: 14327
    Status: Active
    Federal Reserve ID: 663955
    Date Established: Febuary 18, 1907
    WWW: http://www.horizonbankne.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9440
    FDIC's unique #: 8951
    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: May 07, 1934
    Last Structure Change Effective Date: August 27, 2009
    Last Structure Change Process Date: September 11, 2009
    Last Data Update: September 11, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 10841 North 142nd, Waverly, NE 68462
    County: Lancaster
    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): Lincoln, NE (#4360)
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $197.5 mil
    Equity capital: $20.4 mil
    Deposits held in domestic offices: $144.5 mil
    Return on assets (ROA): 2.08% ($4.1 mil)
    Quarterly return on assets: 2.78% ($5.5 mil)
    Return on Equity (ROE): 20.29% ($4.1 mil)
    Quarterly return on equity: 27.18% ($5.4 mil)
    Net income: $3.9 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 2.55% ($5,036.7 mil)
    Quarterly Pretax return on assets: 2.62% ($5,174.9 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
  • 27Total employees (full-time equivalent)
  • $197,517Total assets
  • $19,422Cash and due from depository institutions
  • $16,753Interest-bearing balances
  • $28,682Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $140,583Net loans & leases
  • $500Loan loss allowance
  • $0Trading account assets
  • $1,672Bank premises and fixed assets
  • $0Other real estate owned
  • $721Goodwill and other intangibles
  • $197,517Life insurance assets
  • $6,437All other assets
  • $177,153Total liabilities and capital
  • $144,464Total liabilities
  • $134,621Total deposits
  • $144,464Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 18533.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,588Trading liabilities
  • $0Other borrowed funds
  • $1,568Subordinated debt
  • $20,364All other liabilities
  • $20,364Total equity capital
  • $20,364Total bank equity capital
  • $0Perpetual preferred stock
  • $486Common stock
  • $9,514Surplus
  • $10,364Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $1,823Long-term assets (5+ years)
  • $186,018Average Assets, year-to-date
  • $57,223Average Assets, quarterly
  • $184,945Volatile liabilities
  • $195,664Insider loans
  • $146,792FHLB advances
  • $200,845Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,956Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $33,558Restructured Loans and leases
  • $113Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,812Total interest income
  • $2,075Total interest expense
  • $7,737Net interest income
  • $10Provision for loan and lease losses
  • $215Total noninterest income
  • $0Fiduciary activities
  • $454Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$239Additional noninterest income
  • $3,243Total noninterest expense
  • $1,921Salaries and employee benefits
  • $245Premises and equipment expense
  • $1,077Additional noninterest expense
  • $4,699Pre-tax net operating income
  • $19Securities gains (losses)
  • $864Applicable income taxes
  • $3,854Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,854Net income attributable to bank
  • $0Net charge-offs
  • $3,854Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.62%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 1.86%Noninterest expense to earning assets
  • 2.08%Net operating income to assets
  • 2.08%Return on assets (ROA)
  • 2.55%Pretax return on assets
  • 20.29%Return on equity (ROE)
  • 15.03%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 470.90%Efficiency ratio
  • 39,663Assets per employee
  • 7.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.95%Loss allowance to loans
  • 0.35%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 97.31%Net loans and leases to core deposits
  • 104.14%Equity capital to assets
  • 10.31%Core capital (leverage) ratio
  • 9.44%Tier 1 risk-based capital ratio
  • 12.91%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $184,945Average earning assets
  • $18,994Average equity
  • $174,462Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08951Horizon Bank10841 North 142nd, Waverly, NE 68462Febuary 18, 1907Full Service Brick and Mortar
    1231322Waverly Branch10440 North 140th Street, Waverly, NE 68462September 21, 1995Limited Service Facility
    2277186Superior Branch328 North Central Avenue, Superior, NE 68978January 01, 1900Full Service Brick and Mortar
    3277179Mccook Branch312 West 1st Street, Mccook, NE 69001January 01, 1900Full Service Brick and Mortar

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