Richardson County Bank & Trust Company in Falls City, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Richardson County Bank & Trust Company in Falls City, Nebraska (NE)
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Richardson County Bank & Trust Company routing number info

Richardson County Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 8598
    Status: Active
    Federal Reserve ID: 260354
    Bank Holding Company (Regulatory Top Holder): Frontier Holdings, Llc (RSSDID: 3309713, Location: Omaha, NE)
    Date Established: May 01, 1880
    WWW: http://www.richardsoncountybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5494
    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: June 23, 2011
    Last Structure Change Process Date: June 24, 2011
    Last Data Update: June 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1616 Harlan Street, Falls City, NE 68355
    County: Richardson
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $99.5 mil
    Equity capital: $13.1 mil
    Deposits held in domestic offices: $85.0 mil
    Return on assets (ROA): 0.96% ($1.0 mil)
    Quarterly return on assets: 1.59% ($1.6 mil)
    Return on Equity (ROE): 7.98% ($1.0 mil)
    Quarterly return on equity: 12.11% ($1.6 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.20% ($1,193.7 mil)
    Quarterly Pretax return on assets: 1.65% ($1,641.3 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
  • 19Total employees (full-time equivalent)
  • $99,472Total assets
  • $9,983Cash and due from depository institutions
  • $7,895Interest-bearing balances
  • $24,608Securities
  • $600Federal funds sold & reverse repurchase agreements
  • $56,513Net loans & leases
  • $177Loan loss allowance
  • $0Trading account assets
  • $646Bank premises and fixed assets
  • $0Other real estate owned
  • $5,583Goodwill and other intangibles
  • $99,472Life insurance assets
  • $1,539All other assets
  • $86,375Total liabilities and capital
  • $84,971Total liabilities
  • $71,361Total deposits
  • $84,971Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1225.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $179Subordinated debt
  • $13,097All other liabilities
  • $13,097Total equity capital
  • $13,097Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $11,578Surplus
  • $519Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $108Income earned, not collected on loans
  • $0Earning assets
  • $914Long-term assets (5+ years)
  • $89,616Average Assets, year-to-date
  • $18,528Average Assets, quarterly
  • $99,107Volatile liabilities
  • $99,869Insider loans
  • $62,737FHLB advances
  • $93,195Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,448Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,626Restructured Loans and leases
  • $180Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,863Total interest income
  • $367Total interest expense
  • $2,496Net interest income
  • $206Provision for loan and lease losses
  • $240Total noninterest income
  • $13Fiduciary activities
  • $101Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $1,254Total noninterest expense
  • $691Salaries and employee benefits
  • $105Premises and equipment expense
  • $458Additional noninterest expense
  • $1,276Pre-tax net operating income
  • -$85Securities gains (losses)
  • $243Applicable income taxes
  • $948Income before extraordinary items
  • $0Extraordinary gains - net
  • $948Net income attributable to bank
  • $0Net charge-offs
  • $948Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $495Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.19%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 2.78%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 1.40%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 7.98%Return on equity (ROE)
  • 3.81%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 710.34%Credit loss provision to net charge-offs
  • 51.10%Efficiency ratio
  • 45,285Assets per employee
  • 5.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.22%Loss allowance to loans
  • 0.31%Loss allowance to noncurrent loans
  • 163.89%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 66.51%Net loans and leases to core deposits
  • 69.41%Equity capital to assets
  • 13.17%Core capital (leverage) ratio
  • 7.99%Tier 1 risk-based capital ratio
  • 11.87%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $99,107Average earning assets
  • $11,875Average equity
  • $89,743Average 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
  • $1,856Managed Assets
  • 1Number of Accounts
  • $1,856Personal trust and agency accounts
  • $1,856Employee 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
  • 12Number 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

  • 2 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    05494Richardson County Bank & Trust Compa1616 Harlan Street, Falls City, NE 68355May 01, 1880Full Service Brick and Mortar
    18446217 North Main Branch217 North Main, Stella, NE 68442Febuary 01, 1886Full Service Brick and Mortar

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