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


  • Nebraska State Bank in Lynch, Nebraska (NE)
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Nebraska State Bank - Overview

  • General
  • FDIC Certificate #: 16516
    Status: Active
    Federal Reserve ID: 514057
    Bank Holding Company (Regulatory Top Holder): Jdj Banco, Inc. (RSSDID: 1840801, Location: Lynch, NE)
    Date Established: December 09, 1946
    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 #: 10671
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: December 09, 1946
    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: 202 N 4th St, Lynch, NE 68746
    County: Boyd
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $14.0 mil
    Equity capital: $2.0 mil
    Deposits held in domestic offices: $12.0 mil
    Return on assets (ROA): 0.43% ($0.1 mil)
    Quarterly return on assets: 0.18% ($0.0 mil)
    Return on Equity (ROE): 2.76% ($0.1 mil)
    Quarterly return on equity: 1.19% ($0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.44% ($61.7 mil)
    Quarterly Pretax return on assets: 0.03% ($4.2 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
  • 7Total employees (full-time equivalent)
  • $14,033Total assets
  • $7,284Cash and due from depository institutions
  • $7,070Interest-bearing balances
  • $0Securities
  • $557Federal funds sold & reverse repurchase agreements
  • $5,983Net loans & leases
  • $213Loan loss allowance
  • $0Trading account assets
  • $15Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $14,033Life insurance assets
  • $194All other assets
  • $12,012Total liabilities and capital
  • $12,001Total liabilities
  • $10,247Total deposits
  • $12,001Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $11Subordinated debt
  • $2,021All other liabilities
  • $2,021Total equity capital
  • $2,021Total bank equity capital
  • $0Perpetual preferred stock
  • $65Common stock
  • $255Surplus
  • $1,701Undivided 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
  • $173Long-term assets (5+ years)
  • $13,610Average Assets, year-to-date
  • $63Average Assets, quarterly
  • $12,933Volatile liabilities
  • $13,498Insider loans
  • $7,649FHLB advances
  • $13,885Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,021Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $534Total interest income
  • $77Total interest expense
  • $457Net interest income
  • $0Provision for loan and lease losses
  • $47Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $447Total noninterest expense
  • $291Salaries and employee benefits
  • $39Premises and equipment expense
  • $117Additional noninterest expense
  • $57Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $55Income before extraordinary items
  • $0Extraordinary gains - net
  • $55Net income attributable to bank
  • $0Net charge-offs
  • $55Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $7Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 2.76%Return on equity (ROE)
  • 2.40%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 88,690Assets per employee
  • 2.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.73%Loss allowance to loans
  • 3.44%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
  • 49.85%Net loans and leases to core deposits
  • 55.35%Equity capital to assets
  • 14.40%Core capital (leverage) ratio
  • 14.56%Tier 1 risk-based capital ratio
  • 26.42%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $12,933Average earning assets
  • $1,996Average equity
  • $12,551Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010671Nebraska State Bank202 N 4th St, Lynch, NE 68746December 09, 1946Full Service Brick and Mortar

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