State Bank of Riverdale in Riverdale, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Riverdale - Overview

  • General
  • FDIC Certificate #: 8330
    Status: Active
    Federal Reserve ID: 739850
    Bank Holding Company (Regulatory Top Holder): Riverdale Bancshares, Inc. (RSSDID: 3080049, Location: Riverdale, NE)
    Date Established: July 12, 1907
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 53564
    FDIC's unique #: 5317
    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: June 03, 2010
    Last Structure Change Process Date: June 03, 2010
    Last Data Update: June 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 222 Third Avenue, Riverdale, NE 68870
    County: Buffalo
    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
    Core Based Statistical Area (CBSA): Kearney, NE (#28260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $68.1 mil
    Equity capital: $6.4 mil
    Deposits held in domestic offices: $58.9 mil
    Return on assets (ROA): 1.07% ($0.7 mil)
    Quarterly return on assets: 1.15% ($0.8 mil)
    Return on Equity (ROE): 10.96% ($0.7 mil)
    Quarterly return on equity: 11.84% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.64% ($1,117.6 mil)
    Quarterly Pretax return on assets: 1.71% ($1,165.3 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
  • 18Total employees (full-time equivalent)
  • $68,148Total assets
  • $6,715Cash and due from depository institutions
  • $3,937Interest-bearing balances
  • $3,555Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $53,496Net loans & leases
  • $510Loan loss allowance
  • $0Trading account assets
  • $1,190Bank premises and fixed assets
  • $0Other real estate owned
  • $1,416Goodwill and other intangibles
  • $68,148Life insurance assets
  • $1,776All other assets
  • $61,791Total liabilities and capital
  • $58,911Total liabilities
  • $44,029Total deposits
  • $58,911Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,400Trading liabilities
  • $560Other borrowed funds
  • $920Subordinated debt
  • $6,357All other liabilities
  • $6,357Total equity capital
  • $6,357Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $5,522Surplus
  • $735Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1Income earned, not collected on loans
  • $0Earning assets
  • $1,390Long-term assets (5+ years)
  • $60,988Average Assets, year-to-date
  • $4,705Average Assets, quarterly
  • $63,094Volatile liabilities
  • $65,541Insider loans
  • $59,101FHLB advances
  • $65,447Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,216Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,501Restructured Loans and leases
  • $476Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,169Total interest income
  • $482Total interest expense
  • $2,687Net interest income
  • $85Provision for loan and lease losses
  • $356Total noninterest income
  • $0Fiduciary activities
  • $156Service charges on deposit accounts
  • $0Trading account gains & fees
  • $200Additional noninterest income
  • $1,924Total noninterest expense
  • $1,143Salaries and employee benefits
  • $151Premises and equipment expense
  • $630Additional noninterest expense
  • $1,034Pre-tax net operating income
  • $0Securities gains (losses)
  • $356Applicable income taxes
  • $678Income before extraordinary items
  • $0Extraordinary gains - net
  • $678Net income attributable to bank
  • $0Net charge-offs
  • $678Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $245Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.68%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 10.96%Return on equity (ROE)
  • 7.00%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 944.44%Credit loss provision to net charge-offs
  • 124.33%Efficiency ratio
  • 59,711Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.14%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 51000.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 90.81%Net loans and leases to core deposits
  • 92.16%Equity capital to assets
  • 9.33%Core capital (leverage) ratio
  • 7.97%Tier 1 risk-based capital ratio
  • 8.83%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $63,094Average earning assets
  • $6,188Average equity
  • $57,425Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05317State Bank Of Riverdale222 Third Avenue, Riverdale, NE 68870July 12, 1907Full Service Brick and Mortar
    1516205Kearney Branch8 West 56th Street, Ste 1a, Kearney, NE 68847Febuary 01, 2011Full Service Brick and Mortar

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