Iowa - Nebraska State Bank in South Sioux City, Nebraska (NE), IA
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 72Total employees (full-time equivalent)
  • $194,783Total assets
  • $11,206Cash and due from depository institutions
  • $4,457Interest-bearing balances
  • $53,598Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $110,956Net loans & leases
  • $2,890Loan loss allowance
  • $0Trading account assets
  • $6,998Bank premises and fixed assets
  • $775Other real estate owned
  • $52Goodwill and other intangibles
  • $194,783Life insurance assets
  • $11,198All other assets
  • $177,887Total liabilities and capital
  • $154,508Total liabilities
  • $123,619Total deposits
  • $154,508Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,928Trading liabilities
  • $0Other borrowed funds
  • $1,451Subordinated debt
  • $16,896All other liabilities
  • $16,896Total equity capital
  • $16,896Total bank equity capital
  • $3,000Perpetual preferred stock
  • $2,300Common stock
  • $10,664Surplus
  • $932Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,325Income earned, not collected on loans
  • $0Earning assets
  • $1,272Long-term assets (5+ years)
  • $169,011Average Assets, year-to-date
  • $33,202Average Assets, quarterly
  • $197,556Volatile liabilities
  • $196,719Insider loans
  • $130,406FHLB advances
  • $194,902Loans and leases held for sale
  • $5,094Unused loan commitments
  • $5,094Tier 1 (core) risk-based capital
  • $15,964Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $646Restructured Loans and leases
  • $240Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,575Total interest income
  • $1,963Total interest expense
  • $5,612Net interest income
  • $900Provision for loan and lease losses
  • $2,762Total noninterest income
  • $0Fiduciary activities
  • $1,747Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,015Additional noninterest income
  • $7,088Total noninterest expense
  • $3,796Salaries and employee benefits
  • $1,205Premises and equipment expense
  • $2,087Additional noninterest expense
  • $386Pre-tax net operating income
  • $96Securities gains (losses)
  • $0Applicable income taxes
  • $482Income before extraordinary items
  • $0Extraordinary gains - net
  • $482Net income attributable to bank
  • $0Net charge-offs
  • $482Cash dividends
  • $914Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.25%Net interest margin
  • 1.60%Noninterest income to earning assets
  • 4.11%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.24%Return on assets (ROA)
  • 0.24%Pretax return on assets
  • 2.98%Return on equity (ROE)
  • 2.98%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 98.47%Credit loss provision to net charge-offs
  • 1.41%Efficiency ratio
  • 84,643Assets per employee
  • 2.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 218.11%Noncurrent assets plus other real estate owned to assets
  • 1.08%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 71.81%Net loans and leases to core deposits
  • 72.37%Equity capital to assets
  • 8.67%Core capital (leverage) ratio
  • 8.19%Tier 1 risk-based capital ratio
  • 12.24%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $197,556Average earning assets
  • $16,185Average equity
  • $172,495Average loans

List of branches

  • 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
  • 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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