Security First Bank in Lincoln, Nebraska (NE), SD
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Security First Bank in Lincoln, Nebraska (NE), SD
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Security First Bank - Overview

  • General
  • FDIC Certificate #: 5415
    Status: Active
    Federal Reserve ID: 276850
    Bank Holding Company (Regulatory Top Holder): Stockmens Limited Partnership (RSSDID: 3796902, Location: Rapid City, SD)
    Date Established: July 01, 1924
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 33 (Domestic: 33, Interstate: Yes)
    OTS Docket #: 13873
    FDIC's unique #: 3660
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 02, 2010
    Last Structure Change Process Date: Febuary 19, 2010
    Last Data Update: Febuary 19, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 5505 Red Rock Lane, Lincoln, NE 68516
    County: Lancaster
    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
    Metropolitan Statistical Area (MSA): Lincoln, NE (#4360)
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $829.2 mil
    Equity capital: $73.1 mil
    Deposits held in domestic offices: $644.3 mil
    Return on assets (ROA): 0.67% ($5.6 mil)
    Quarterly return on assets: 0.73% ($6.1 mil)
    Return on Equity (ROE): 6.79% ($5.0 mil)
    Quarterly return on equity: 7.84% ($5.7 mil)
    Net income: $5.3 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.86% ($7,130.9 mil)
    Quarterly Pretax return on assets: 0.79% ($6,550.5 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
  • 243Total employees (full-time equivalent)
  • $829,180Total assets
  • $33,466Cash and due from depository institutions
  • $7,929Interest-bearing balances
  • $332,219Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $399,801Net loans & leases
  • $8,292Loan loss allowance
  • $0Trading account assets
  • $22,302Bank premises and fixed assets
  • $917Other real estate owned
  • $16,152Goodwill and other intangibles
  • $829,180Life insurance assets
  • $24,323All other assets
  • $756,041Total liabilities and capital
  • $644,281Total liabilities
  • $517,880Total deposits
  • $644,281Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 3856.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $104,389Trading liabilities
  • $0Other borrowed funds
  • $3,515Subordinated debt
  • $73,139All other liabilities
  • $73,139Total equity capital
  • $73,139Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $53,102Surplus
  • $18,037Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $886Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,144Income earned, not collected on loans
  • $334Earning assets
  • $5,550Long-term assets (5+ years)
  • $739,949Average Assets, year-to-date
  • $215,972Average Assets, quarterly
  • $800,464Volatile liabilities
  • $802,548Insider loans
  • $525,288FHLB advances
  • $779,858Loans and leases held for sale
  • $4,435Unused loan commitments
  • $2,338Tier 1 (core) risk-based capital
  • $55,410Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,097Total unused commitments
  • $82,600Restructured Loans and leases
  • $8,272Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,974Total interest income
  • $7,127Total interest expense
  • $22,847Net interest income
  • $600Provision for loan and lease losses
  • $8,977Total noninterest income
  • $99Fiduciary activities
  • $1,982Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,896Additional noninterest income
  • $25,408Total noninterest expense
  • $13,315Salaries and employee benefits
  • $3,549Premises and equipment expense
  • $8,544Additional noninterest expense
  • $5,816Pre-tax net operating income
  • $1,068Securities gains (losses)
  • $1,539Applicable income taxes
  • $5,345Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,345Net income attributable to bank
  • $0Net charge-offs
  • $5,345Cash dividends
  • $717Sale, conversion, retirement of capital stock, net
  • $20,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.19%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 6.79%Return on equity (ROE)
  • -18.62%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 83.68%Credit loss provision to net charge-offs
  • 8.95%Efficiency ratio
  • 77,146Assets per employee
  • 3.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 374.18%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 161.20%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 1.26%Net loans and leases to deposits
  • 62.05%Net loans and leases to core deposits
  • 67.80%Equity capital to assets
  • 8.82%Core capital (leverage) ratio
  • 7.11%Tier 1 risk-based capital ratio
  • 10.55%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $800,464Average earning assets
  • $78,710Average equity
  • $715,146Average 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
  • $11,545Managed Assets
  • 1Number of Accounts
  • $11,535Personal trust and agency accounts
  • $11,535Employee 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
  • 24Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10Other retirement accounts
  • $10Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 28 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03660Security First Bank5505 Red Rock Lane, Lincoln, NE 68516July 01, 1924Full Service Brick and Mortar
    111191Harrison BranchMain And Third Streets, Harrison, NE 69346November 15, 1952Full Service Brick and Mortar
    38982Crawford Branch403 Second Street, Crawford, NE 69339March 27, 1927Full Service Brick and Mortar
    546673Cozad Branch818 Avenue F, Cozad, NE 69130November 30, 1990Full Service Brick and Mortar
    63700Overton BranchMain Street, Overton, NE 68863April 12, 1930Full Service Brick and Mortar
    75324Elwood Branch201 Smith Avenue, Elwood, NE 68937September 01, 1910Full Service Brick and Mortar
    9243394Lincoln Branch8260 Northwoods Drive, Lincoln, NE 68505October 04, 1991Full Service Brick and Mortar
    11243396Van Dorn Branch4811 Van Dorn, Lincoln, NE 68506May 13, 1997Full Service Brick and Mortar
    12243397Garret Lane Branch1300 Garret Lane, Lincoln, NE 68512November 12, 1997Full Service Brick and Mortar
    133702Rushville Branch102 East Second Street, Rushville, NE 69360September 01, 1898Full Service Brick and Mortar
    143663Hay Springs Branch231 North Main, Hay Springs, NE 69347January 01, 1886Full Service Brick and Mortar
    16207748Retail Center Branch110 East Second Street, Rushville, NE 69360March 31, 1998Limited Service Loan Production
    17207749Mobile Branch101 East Second Street, Rushville, NE 69360March 28, 1998Limited Service Mobile
    181340Cody Branch104 East Nebraska Avenue, Cody, NE 69211January 01, 1800Full Service Brick and Mortar
    195328Merriman BranchMain Street, Merriman, NE 69218September 25, 1900Full Service Brick and Mortar
    207066Thedford Branch502 Main Street, Thedford, NE 69166Febuary 17, 1917Full Service Brick and Mortar
    22431158Security First Bank Teller Express4811 Van Dorn, Lincoln, NE 68506June 30, 2004Limited Service Mobile
    26448002Sidney Branch1205 Jackson Street, Sidney, NE 69162Febuary 15, 2006Full Service Brick and Mortar
    273632The First National Bank & Trust Comp120 North Sixth Street, Beatrice, NE 68310May 12, 1877Full Service Brick and Mortar
    28207637Auto Bank Branch1900 East Court Street, Beatrice, NE 68310July 08, 1974Limited Service Facility
    2948189Clatonia Branch160 Washington Street, Clatonia, NE 68328Febuary 25, 1994Full Service Brick and Mortar
    30290137Cortland Branch525 Highway 77, Cortland, NE 68331November 04, 1996Full Service Brick and Mortar
    318583Blue Springs Branch101 East Broad Street, Blue Springs, NE 68318April 05, 1901Full Service Brick and Mortar
    32365913Villa Branch2211 Sunset Drive, Beatrice, NE 68310January 13, 2003Limited Service Facility
    33444526North 6th Street Branch2301 North 6th Street, Beatrice, NE 68310July 11, 2005Full Service Brick and Mortar
    34456849Lincoln Branch5710 South 53rd Street, Lincoln, NE 68516November 06, 2006Full Service Brick and Mortar
    353717Valentine Branch253 North Main, Valentine, NE 69201January 01, 1902Full Service Brick and Mortar
    36526488Security First Bank, Chadron Branch342 Main Street, Chadron, NE 69337October 31, 2011Full Service Brick and Mortar
  • 5 South Dakota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    154105Martin Branch401 Third Avenue, Martin, SD 57551July 19, 1919Full Service Brick and Mortar
    21426726Rapid City Branch501 Quincy Street, Rapid City, SD 57702January 20, 2004Full Service Brick and Mortar
    23432880Security First Bank - Operations Cen1540 Samco Road, Rapid City, SD 57702December 20, 2004Full Service Brick and Mortar
    24433881Security First Bank Teller Express1540 Samco Road, Suite B, Rapid City, SD 57702December 20, 2004Limited Service Mobile
    25441961Sheridan Lake Branch5430 Sheridan Lake Rd., Rapid City, SD 57702November 02, 2004Full Service Brick and Mortar

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