South Central State Bank in Campbell, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

South Central State Bank - Overview

  • General
  • FDIC Certificate #: 16707
    Status: Active
    Federal Reserve ID: 74056
    Bank Holding Company (Regulatory Top Holder): Campbell State Company (RSSDID: 1061857, Location: Campbell, NE)
    Date Established: January 01, 1948
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14677
    FDIC's unique #: 10830
    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 01, 1948
    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: 673 Broad St., Campbell, NE 68932
    County: Franklin
    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: $108.1 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $80.2 mil
    Return on assets (ROA): 0.88% ($1.0 mil)
    Quarterly return on assets: 0.65% ($0.7 mil)
    Return on Equity (ROE): 10.04% ($0.9 mil)
    Quarterly return on equity: 7.53% ($0.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.29% ($1,394.4 mil)
    Quarterly Pretax return on assets: 0.56% ($605.3 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
  • 24Total employees (full-time equivalent)
  • $108,094Total assets
  • $13,702Cash and due from depository institutions
  • $11,160Interest-bearing balances
  • $16,082Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,538Net loans & leases
  • $746Loan loss allowance
  • $0Trading account assets
  • $856Bank premises and fixed assets
  • $71Other real estate owned
  • $563Goodwill and other intangibles
  • $108,094Life insurance assets
  • $5,282All other assets
  • $99,061Total liabilities and capital
  • $80,196Total liabilities
  • $62,800Total deposits
  • $80,196Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 5865.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,155Trading liabilities
  • $0Other borrowed funds
  • $1,845Subordinated debt
  • $9,033All other liabilities
  • $9,033Total equity capital
  • $9,033Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $6,629Surplus
  • $2,154Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $27Income earned, not collected on loans
  • $0Earning assets
  • $1,149Long-term assets (5+ years)
  • $98,780Average Assets, year-to-date
  • $23,890Average Assets, quarterly
  • $102,125Volatile liabilities
  • $106,246Insider loans
  • $84,887FHLB advances
  • $100,849Loans and leases held for sale
  • $1,825Unused loan commitments
  • $1,825Tier 1 (core) risk-based capital
  • $8,553Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,759Restructured Loans and leases
  • $42Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,095Total interest income
  • $832Total interest expense
  • $3,263Net interest income
  • $310Provision for loan and lease losses
  • $522Total noninterest income
  • $0Fiduciary activities
  • $260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $262Additional noninterest income
  • $2,337Total noninterest expense
  • $1,240Salaries and employee benefits
  • $244Premises and equipment expense
  • $853Additional noninterest expense
  • $1,138Pre-tax net operating income
  • $179Securities gains (losses)
  • $414Applicable income taxes
  • $903Income before extraordinary items
  • $0Extraordinary gains - net
  • $903Net income attributable to bank
  • $0Net charge-offs
  • $903Cash dividends
  • $245Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.50%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 10.04%Return on equity (ROE)
  • 5.59%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 126.53%Credit loss provision to net charge-offs
  • 5.91%Efficiency ratio
  • 58,018Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.30%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 2762.96%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 89.20%Net loans and leases to core deposits
  • 91.23%Equity capital to assets
  • 8.36%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 10.08%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $102,125Average earning assets
  • $8,996Average equity
  • $93,628Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010830South Central State Bank673 Broad St., Campbell, NE 68932January 01, 1948Full Service Brick and Mortar
    1278985Franklin Branch600 15th Avenue, Franklin, NE 68939January 01, 1892Full Service Brick and Mortar
    25499Oxford Branch335 Ogden, Oxford, NE 68967January 01, 1892Full Service Brick and Mortar
    36819Blue Hill BranchMain Street, Blue Hill, NE 68930August 10, 1905Full Service Brick and Mortar

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