Iowa - Nebraska State Bank in South Sioux City, Nebraska (NE), IA



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Iowa - Nebraska State Bank routing number info

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Iowa - Nebraska State Bank
GeneralFDIC Certificate #: 8354
Status: Active
Federal Reserve ID: 656359
Bank Holding Company (Regulatory Top Holder): Commfirst Bancorporation, Inc. (RSSDID: 2011868, Location: South Sioux City, NE)
Date Established: June 01, 1920
WWW: http://www.iowa-nebraskastatebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: Yes)
OTS Docket #: 9573
FDIC's unique #: 5332
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 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 2021 Dakota Avenue, South Sioux City, NE 68776
County: Dakota
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Sioux City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Sioux City, IA-NE (#7720)
Combined Statistical Area (CSA): Sioux City-Vermillion, IA-NE-SD (#512)
Core Based Statistical Area (CBSA): Sioux City, IA-NE-SD (#43580)
CBSA Metro Statistical Area: Sioux City, IA-NE-SD (#43580)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $194.8 mil
Equity capital: $16.9 mil
Deposits held in domestic offices: $154.5 mil
Return on assets (ROA): 0.24% ($0.5 mil)
Quarterly return on assets: 0.55% ($1.1 mil)
Return on Equity (ROE): 2.98% ($0.5 mil)
Quarterly return on equity: 6.45% ($1.1 mil)
Net income: $0.5 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.24% ($467.5 mil)
Quarterly Pretax return on assets: 0.55% ($1,071.3 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)
Total employees (full-time equivalent)72
Total assets$194,783
Cash and due from depository institutions$11,206
Interest-bearing balances$4,457
Securities$53,598
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$110,956
Loan loss allowance $2,890
Trading account assets$0
Bank premises and fixed assets$6,998
Other real estate owned$775
Goodwill and other intangibles$52
All other assets$11,198
Life insurance assets$194,783
Total liabilities and capital$177,887
Total liabilities$154,508
Total deposits$123,619
Interest-bearing deposits$154,508
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$21,928
Other borrowed funds $0
Subordinated debt $1,451
All other liabilities $16,896
Total equity capital$16,896
Total bank equity capital$16,896
Perpetual preferred stock$3,000
Common stock$2,300
Surplus$10,664
Undivided profits $932
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 $1,325
Earning assets $0
Long-term assets (5+ years) $1,272
Average Assets, year-to-date $169,011
Average Assets, quarterly $33,202
Volatile liabilities $197,556
Insider loans $196,719
FHLB advances $130,406
Loans and leases held for sale $194,902
Unused loan commitments $5,094
Tier 1 (core) risk-based capital $5,094
Tier 2 risk-based capital $15,964
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $646
Derivatives$240
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,575
Total interest expense $1,963
Net interest income $5,612
Provision for loan and lease losses $900
Total noninterest income $2,762
Fiduciary activities $0
Service charges on deposit accounts $1,747
Trading account gains & fees $0
Additional noninterest income $1,015
Total noninterest expense $7,088
Salaries and employee benefits $3,796
Premises and equipment expense $1,205
Additional noninterest expense $2,087
Pre-tax net operating income $386
Securities gains (losses) $96
Applicable income taxes $0
Income before extraordinary items $482
Extraordinary gains - net $0
Net income attributable to bank $482
Net charge-offs $0
Cash dividends $482
Sale, conversion, retirement of capital stock, net $914
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.39%
Cost of funding earning assets 1.14%
Net interest margin 3.25%
Noninterest income to earning assets 1.60%
Noninterest expense to earning assets 4.11%
Net operating income to assets 0.20%
Return on assets (ROA) 0.24%
Pretax return on assets 0.24%
Return on equity (ROE) 2.98%
Retained earnings to average equity (YTD only) 2.98%
Net charge-offs to loans 0.77%
Credit loss provision to net charge-offs 98.47%
Efficiency ratio1.41%
Assets per employee$84,643
Cash dividends to net income (YTD only)2.71%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.54%
Noncurrent assets plus other real estate owned to assets 218.11%
Noncurrent loans to loans 1.08%
Net loans and leases to deposits1.16%
Net loans and leases to core deposits 71.81%
Equity capital to assets 72.37%
Core capital (leverage) ratio 8.67%
Tier 1 risk-based capital ratio 8.19%
Total risk-based capital ratio 12.24%
Memoranda
Average assets$14
Average earning assets$197,556
Average equity $16,185
Average loans $172,495
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5 Iowa Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
75142Onawa Branch902 Tenth Street, Onawa, IA 51040January 01, 1904Full Service Brick and Mortar
8217910Hornick BranchFourth And Main, Hornick, IA 51026November 21, 1984Full Service Brick and Mortar
9360896Sioux City Hamilton Branch2401 Hamilton, Sioux City, IA 51104December 01, 2000Full Service Brick and Mortar
10441907Iowa-Nebraska State Bank Branch3410 Singing Hills Blvd, Sioux City, IA 51106August 01, 2004Full Service Brick and Mortar
11456173Iowa-Nebraska State Bank3119 Floyd Boulevard, Sioux City, IA 51104November 07, 2006Full Service Brick and Mortar
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4 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05332Iowa - Nebraska State Bank2021 Dakota Avenue, South Sioux City, NE 68776June 01, 1920Full Service Brick and Mortar
3218300Detached Tellers' Facility3800 Dakota Avenue, South Sioux City, NE 68776October 26, 1978Limited Service Facility
53719Wakefield Branch406 Main Street, Wakefield, NE 68784Febuary 15, 1929Full Service Brick and Mortar
63724Wilcox Branch102 West Sapp, Wilcox, NE 68982August 05, 1905Full Service Brick and Mortar
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