North Loup Valley Bank in North Loup, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


North Loup Valley Bank - Overview

  • General
  • FDIC Certificate #: 16468
    Status: Active
    Federal Reserve ID: 47153
    Bank Holding Company (Regulatory Top Holder): Loup Valley Bancshares, Inc. (RSSDID: 1063637, Location: North Loup, NE)
    Date Established: July 01, 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 #: 10632
    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: July 31, 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: 404 W 1st St, North Loup, NE 68859
    County: Valley
    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: $22.0 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $20.1 mil
    Return on assets (ROA): 0.11% ($0.0 mil)
    Quarterly return on assets: 0.02% ($0.0 mil)
    Return on Equity (ROE): 1.33% ($0.0 mil)
    Quarterly return on equity: 0.22% ($0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.17% ($37.4 mil)
    Quarterly Pretax return on assets: 0.15% ($33.0 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
  • 5Total employees (full-time equivalent)
  • $21,971Total assets
  • $4,537Cash and due from depository institutions
  • $3,308Interest-bearing balances
  • $3,894Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $10,202Net loans & leases
  • $222Loan loss allowance
  • $0Trading account assets
  • $75Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $21,971Life insurance assets
  • $263All other assets
  • $20,159Total liabilities and capital
  • $20,067Total liabilities
  • $17,367Total deposits
  • $20,067Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $92Subordinated debt
  • $1,812All other liabilities
  • $1,812Total equity capital
  • $1,812Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $725Surplus
  • $887Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $225Income earned, not collected on loans
  • $100Earning assets
  • $224Long-term assets (5+ years)
  • $20,404Average Assets, year-to-date
  • $999Average Assets, quarterly
  • $21,148Volatile liabilities
  • $21,693Insider loans
  • $17,462FHLB advances
  • $21,996Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,812Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,506Restructured Loans and leases
  • $62Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $762Total interest income
  • $290Total interest expense
  • $472Net interest income
  • $40Provision for loan and lease losses
  • $81Total noninterest income
  • $0Fiduciary activities
  • $49Service charges on deposit accounts
  • $0Trading account gains & fees
  • $32Additional noninterest income
  • $477Total noninterest expense
  • $282Salaries and employee benefits
  • $53Premises and equipment expense
  • $142Additional noninterest expense
  • $36Pre-tax net operating income
  • $0Securities gains (losses)
  • $12Applicable income taxes
  • $24Income before extraordinary items
  • $0Extraordinary gains - net
  • $24Net income attributable to bank
  • $0Net charge-offs
  • $24Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.96%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 2.45%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 0.11%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.17%Pretax return on assets
  • 1.33%Return on equity (ROE)
  • 1.33%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 129.03%Credit loss provision to net charge-offs
  • 2.45%Efficiency ratio
  • 86,257Assets per employee
  • 4.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.13%Loss allowance to noncurrent loans
  • 98.67%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 2.16%Net loans and leases to deposits
  • 50.84%Net loans and leases to core deposits
  • 54.48%Equity capital to assets
  • 8.25%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 10.38%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $21,148Average earning assets
  • $1,802Average equity
  • $19,227Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010632North Loup Valley Bank404 W 1st St, North Loup, NE 68859July 01, 1946Full Service Brick and Mortar

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