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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