Security Home Bank in Malmo, Nebraska (NE)



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Security Home Bank
GeneralFDIC Certificate #: 14639
Status: Active
Federal Reserve ID: 210452
Bank Holding Company (Regulatory Top Holder): Malmo Bancorp, Inc. (RSSDID: 2269089, Location: Malmo, NE)
Date Established: August 01, 1934
WWW: http://www.shbmalmo.com
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 #: 9153
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: August 06, 1934
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
LocationAddress: 147 Center Avenue, Malmo, NE 68040
County: Saunders
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
Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $34.7 mil
Equity capital: $3.0 mil
Deposits held in domestic offices: $21.6 mil
Return on assets (ROA): 0.67% ($0.2 mil)
Quarterly return on assets: 0.15% ($0.1 mil)
Return on Equity (ROE): 7.12% ($0.2 mil)
Quarterly return on equity: 1.62% ($0.0 mil)
Net income: $0.2 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 1.14% ($396.1 mil)
Quarterly Pretax return on assets: 0.59% ($205.0 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)
Total employees (full-time equivalent)7
Total assets$34,743
Cash and due from depository institutions$2,067
Interest-bearing balances$1,400
Securities$2,519
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$28,333
Loan loss allowance $334
Trading account assets$0
Bank premises and fixed assets$376
Other real estate owned$365
Goodwill and other intangibles$150
All other assets$933
Life insurance assets$34,743
Total liabilities and capital$31,772
Total liabilities$21,582
Total deposits$18,957
Interest-bearing deposits$21,582
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,982
Other borrowed funds $0
Subordinated debt $208
All other liabilities $2,971
Total equity capital$2,971
Total bank equity capital$2,971
Perpetual preferred stock$0
Common stock$150
Surplus$1,873
Undivided profits $948
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $293
Earning assets $0
Long-term assets (5+ years) $367
Average Assets, year-to-date $32,252
Average Assets, quarterly $2,490
Volatile liabilities $30,480
Insider loans $32,320
FHLB advances $27,437
Loans and leases held for sale $31,019
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,806
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,011
Derivatives$665
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,550
Total interest expense $314
Net interest income $1,236
Provision for loan and lease losses $76
Total noninterest income $86
Fiduciary activities $0
Service charges on deposit accounts $35
Trading account gains & fees $0
Additional noninterest income $51
Total noninterest expense $899
Salaries and employee benefits $555
Premises and equipment expense $100
Additional noninterest expense $244
Pre-tax net operating income $347
Securities gains (losses) $0
Applicable income taxes $142
Income before extraordinary items $205
Extraordinary gains - net $0
Net income attributable to bank $205
Net charge-offs $0
Cash dividends $205
Sale, conversion, retirement of capital stock, net $46
Net operating income $37
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.53%
Cost of funding earning assets 1.12%
Net interest margin 4.41%
Noninterest income to earning assets 0.31%
Noninterest expense to earning assets 3.21%
Net operating income to assets 0.67%
Return on assets (ROA) 0.67%
Pretax return on assets 1.14%
Return on equity (ROE) 7.12%
Retained earnings to average equity (YTD only) 5.84%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 165.22%
Efficiency ratio9.20%
Assets per employee$68,003
Cash dividends to net income (YTD only)4.96%
Condition Ratios (%)
Loss allowance to loans 18.05%
Loss allowance to noncurrent loans 1.17%
Noncurrent assets plus other real estate owned to assets 113.99%
Noncurrent loans to loans 1.89%
Net loans and leases to deposits1.02%
Net loans and leases to core deposits 131.28%
Equity capital to assets 131.28%
Core capital (leverage) ratio 8.55%
Tier 1 risk-based capital ratio 9.05%
Total risk-based capital ratio 10.23%
Memoranda
Average assets$11
Average earning assets$30,480
Average equity $2,879
Average loans $28,049
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1 Nebraska Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09153Security Home Bank147 Center Avenue, Malmo, NE 68040August 01, 1934Full Service Brick and Mortar
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