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

This bank is inactive as of January 03, 1997

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

  • General
  • FDIC Certificate #: 33234
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Security First Bank (#5415)
    Federal Reserve ID: 1825817
    Date Established: November 30, 1990
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 10275
    FDIC's unique #: 46673
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 30, 1990
    Last Structure Change Effective Date: January 03, 1997
    Last Structure Change Process Date: January 22, 1997
    Last Data Update: January 22, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 818 Avenue F, Cozad, NE 69130
    County: Dawson
    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
    Core Based Statistical Area (CBSA): Lexington, NE (#30420)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $33.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $13Total assets
  • $33,848Cash and due from depository institutions
  • $1,234Interest-bearing balances
  • $277Securities
  • $7,918Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $22,915Loan loss allowance
  • $506Trading account assets
  • $0Bank premises and fixed assets
  • $575Other real estate owned
  • $227Goodwill and other intangibles
  • $902Life insurance assets
  • $77All other assets
  • $0Total liabilities and capital
  • $33,848Total liabilities
  • $30,180Total deposits
  • $24,939Interest-bearing deposits
  • $22,706Deposits held in domestic offices
  • 24939.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $1,200Trading liabilities
  • $0Other borrowed funds
  • $3,860Subordinated debt
  • $0All other liabilities
  • $181Total equity capital
  • $181Total bank equity capital
  • $3,668Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $2,200Undivided profits
  • Memoranda
  • $968Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $664Income earned, not collected on loans
  • $724Earning assets
  • $31,110Long-term assets (5+ years)
  • $3,300Average Assets, year-to-date
  • $34,033Average Assets, quarterly
  • $34,663Volatile liabilities
  • $3,098Insider loans
  • $731FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,235Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,577Total risk weighted assets
  • $25,426Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,849Total interest expense
  • $1,501Net interest income
  • $1,348Provision for loan and lease losses
  • $95Total noninterest income
  • $223Fiduciary activities
  • $0Service charges on deposit accounts
  • $132Trading account gains & fees
  • $0Additional noninterest income
  • $91Total noninterest expense
  • $923Salaries and employee benefits
  • $410Premises and equipment expense
  • $123Additional noninterest expense
  • $390Pre-tax net operating income
  • $553Securities gains (losses)
  • $3Applicable income taxes
  • $133Income before extraordinary items
  • $423Extraordinary gains - net
  • $0Net income attributable to bank
  • $423Net charge-offs
  • $152Cash dividends
  • $365Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.05%Cost of funding earning assets
  • 4.77%Net interest margin
  • 4.28%Noninterest income to earning assets
  • 0.71%Noninterest expense to earning assets
  • 2.93%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 1.63%Return on equity (ROE)
  • 11.30%Retained earnings to average equity (YTD only)
  • 1.55%Net charge-offs to loans
  • 0.63%Credit loss provision to net charge-offs
  • 62.50%Efficiency ratio
  • 57,479Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.29%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 76.20%Noncurrent assets plus other real estate owned to assets
  • 2.63%Noncurrent loans to loans
  • 2.84%Net loans and leases to deposits
  • 91.88%Net loans and leases to core deposits
  • 99.45%Equity capital to assets
  • 10.84%Core capital (leverage) ratio
  • 10.49%Tier 1 risk-based capital ratio
  • 14.07%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $34,033Average earning assets
  • $3,744Average equity
  • $31,497Average loans

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