Nebraska State Bank and Trust Company in Broken Bow, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Nebraska State Bank and Trust Company in Broken Bow, Nebraska (NE)
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Nebraska State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 8322
    Status: Active
    Federal Reserve ID: 412153
    Bank Holding Company (Regulatory Top Holder): First Central Nebraska Co. (RSSDID: 1051072, Location: Broken Bow, NE)
    Date Established: Febuary 23, 1917
    WWW: http://www.nesb.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 52873
    FDIC's unique #: 5311
    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: January 31, 2008
    Last Structure Change Process Date: Febuary 19, 2008
    Last Data Update: Febuary 19, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 945 South D Street, Broken Bow, NE 68822
    County: Custer
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $176.4 mil
    Equity capital: $18.2 mil
    Deposits held in domestic offices: $156.6 mil
    Return on assets (ROA): 1.59% ($2.8 mil)
    Quarterly return on assets: 1.57% ($2.8 mil)
    Return on Equity (ROE): 14.22% ($2.6 mil)
    Quarterly return on equity: 14.47% ($2.6 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.63% ($2,875.0 mil)
    Quarterly Pretax return on assets: 1.62% ($2,857.3 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
  • 33Total employees (full-time equivalent)
  • $176,379Total assets
  • $7,548Cash and due from depository institutions
  • $2,205Interest-bearing balances
  • $16,209Securities
  • $8,800Federal funds sold & reverse repurchase agreements
  • $136,819Net loans & leases
  • $920Loan loss allowance
  • $0Trading account assets
  • $2,336Bank premises and fixed assets
  • $36Other real estate owned
  • $1,071Goodwill and other intangibles
  • $176,379Life insurance assets
  • $3,560All other assets
  • $158,184Total liabilities and capital
  • $156,550Total liabilities
  • $121,868Total deposits
  • $156,550Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 1083.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $147Trading liabilities
  • $0Other borrowed funds
  • $404Subordinated debt
  • $18,195All other liabilities
  • $18,195Total equity capital
  • $18,195Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $13,900Surplus
  • $3,695Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $40Income earned, not collected on loans
  • $0Earning assets
  • $2,288Long-term assets (5+ years)
  • $164,033Average Assets, year-to-date
  • $35,920Average Assets, quarterly
  • $158,086Volatile liabilities
  • $167,930Insider loans
  • $148,160FHLB advances
  • $160,587Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,044Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,416Restructured Loans and leases
  • $749Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,443Total interest income
  • $1,463Total interest expense
  • $5,980Net interest income
  • $70Provision for loan and lease losses
  • $505Total noninterest income
  • $13Fiduciary activities
  • $257Service charges on deposit accounts
  • $0Trading account gains & fees
  • $235Additional noninterest income
  • $3,934Total noninterest expense
  • $2,294Salaries and employee benefits
  • $656Premises and equipment expense
  • $984Additional noninterest expense
  • $2,481Pre-tax net operating income
  • $100Securities gains (losses)
  • $64Applicable income taxes
  • $2,517Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,517Net income attributable to bank
  • $0Net charge-offs
  • $2,517Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $1,422Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 1.53%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 14.22%Return on equity (ROE)
  • 6.18%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 350.00%Credit loss provision to net charge-offs
  • 127.55%Efficiency ratio
  • 60,663Assets per employee
  • 5.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.50%Loss allowance to loans
  • 0.67%Loss allowance to noncurrent loans
  • 2300.00%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 87.40%Net loans and leases to core deposits
  • 103.82%Equity capital to assets
  • 10.32%Core capital (leverage) ratio
  • 10.61%Tier 1 risk-based capital ratio
  • 11.50%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $158,086Average earning assets
  • $17,706Average equity
  • $147,531Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,310Managed Assets
  • 1Number of Accounts
  • $1,310Personal trust and agency accounts
  • $1,310Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 11Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 6 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05311Nebraska State Bank And Trust Compan945 South D Street, Broken Bow, NE 68822Febuary 23, 1917Full Service Brick and Mortar
    115790Merna BranchCenter Avenue And Highway 92, Merna, NE 68856April 15, 1978Full Service Brick and Mortar
    27065Oconto Branch101 N. Grand Avenue, Oconto, NE 68860August 01, 1905Full Service Brick and Mortar
    3950Mason City BranchMain Street, Mason City, NE 68855August 04, 1924Full Service Brick and Mortar
    4505473Callaway Branch108 North Grand Avenue, Callaway, NE 68825Febuary 09, 2010Full Service Brick and Mortar
    5526145Nebraska State Bank & Trust Company538 East South E Street, Broken Bow, NE 68822October 13, 2011Full Service Brick and Mortar

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