Lisco State Bank in Lisco, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


Lisco State Bank - Overview

  • General
  • FDIC Certificate #: 11479
    Status: Active
    Federal Reserve ID: 110655
    Bank Holding Company (Regulatory Top Holder): Lisco State Company (RSSDID: 1056200, Location: Lisco, NE)
    Date Established: January 01, 1909
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 7335
    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: 102 Coldwater, Lisco, NE 69148
    County: Garden
    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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $18.1 mil
    Equity capital: $2.5 mil
    Deposits held in domestic offices: $12.9 mil
    Return on assets (ROA): 1.73% ($0.3 mil)
    Quarterly return on assets: 1.80% ($0.3 mil)
    Return on Equity (ROE): 12.13% ($0.2 mil)
    Quarterly return on equity: 12.60% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.73% ($313.3 mil)
    Quarterly Pretax return on assets: 1.80% ($326.0 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
  • 4Total employees (full-time equivalent)
  • $18,109Total assets
  • $581Cash and due from depository institutions
  • $14Interest-bearing balances
  • $3,422Securities
  • $1,865Federal funds sold & reverse repurchase agreements
  • $11,783Net loans & leases
  • $245Loan loss allowance
  • $0Trading account assets
  • $36Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,109Life insurance assets
  • $422All other assets
  • $15,653Total liabilities and capital
  • $12,871Total liabilities
  • $10,596Total deposits
  • $12,871Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 122.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,599Trading liabilities
  • $0Other borrowed funds
  • $61Subordinated debt
  • $2,456All other liabilities
  • $2,456Total equity capital
  • $2,456Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,500Surplus
  • $856Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $270Income earned, not collected on loans
  • $0Earning assets
  • $266Long-term assets (5+ years)
  • $17,084Average Assets, year-to-date
  • $6,360Average Assets, quarterly
  • $16,494Volatile liabilities
  • $17,094Insider loans
  • $13,256FHLB advances
  • $17,588Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,367Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,536Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $784Total interest income
  • $175Total interest expense
  • $609Net interest income
  • $0Provision for loan and lease losses
  • $33Total noninterest income
  • $0Fiduciary activities
  • $19Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14Additional noninterest income
  • $357Total noninterest expense
  • $213Salaries and employee benefits
  • $28Premises and equipment expense
  • $116Additional noninterest expense
  • $285Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $285Income before extraordinary items
  • $0Extraordinary gains - net
  • $285Net income attributable to bank
  • $0Net charge-offs
  • $285Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $132Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.27%Noninterest expense to earning assets
  • 1.73%Net operating income to assets
  • 1.73%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 12.13%Return on equity (ROE)
  • 6.51%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 55,607Assets per employee
  • 4.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.32%Loss allowance to loans
  • 2.04%Loss allowance to noncurrent loans
  • 90.74%Noncurrent assets plus other real estate owned to assets
  • 1.49%Noncurrent loans to loans
  • 2.24%Net loans and leases to deposits
  • 91.55%Net loans and leases to core deposits
  • 98.20%Equity capital to assets
  • 13.56%Core capital (leverage) ratio
  • 13.46%Tier 1 risk-based capital ratio
  • 17.86%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $16,494Average earning assets
  • $2,349Average equity
  • $15,708Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07335Lisco State Bank102 Coldwater, Lisco, NE 69148January 01, 1909Full Service Brick and Mortar

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