The Cattle National Bank and Trust Company in Seward, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Cattle National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 5472
    Status: Active
    Federal Reserve ID: 529659
    Bank Holding Company (Regulatory Top Holder): Cattle Crossing, Inc. (RSSDID: 1059555, Location: Seward, NE)
    Date Established: June 01, 1873
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10809
    FDIC's unique #: 3706
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 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
  • Location
  • Address: 104 South 5th, Seward, NE 68434
    County: Seward
    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
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $199.1 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $166.9 mil
    Return on assets (ROA): 1.28% ($2.5 mil)
    Quarterly return on assets: 0.81% ($1.6 mil)
    Return on Equity (ROE): 11.58% ($2.5 mil)
    Quarterly return on equity: 7.24% ($1.6 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.32% ($2,628.1 mil)
    Quarterly Pretax return on assets: 0.85% ($1,692.4 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
  • 43Total employees (full-time equivalent)
  • $199,102Total assets
  • $4,383Cash and due from depository institutions
  • $1Interest-bearing balances
  • $43,118Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $142,572Net loans & leases
  • $2,101Loan loss allowance
  • $0Trading account assets
  • $2,650Bank premises and fixed assets
  • $27Other real estate owned
  • $0Goodwill and other intangibles
  • $199,102Life insurance assets
  • $6,352All other assets
  • $176,860Total liabilities and capital
  • $166,946Total liabilities
  • $143,840Total deposits
  • $166,946Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 4215.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,073Trading liabilities
  • $0Other borrowed funds
  • $1,626Subordinated debt
  • $22,242All other liabilities
  • $22,242Total equity capital
  • $22,242Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $21,242Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,648Income earned, not collected on loans
  • $0Earning assets
  • $1,552Long-term assets (5+ years)
  • $185,691Average Assets, year-to-date
  • $39,126Average Assets, quarterly
  • $191,947Volatile liabilities
  • $196,853Insider loans
  • $149,109FHLB advances
  • $195,440Loans and leases held for sale
  • $3,151Unused loan commitments
  • $1,623Tier 1 (core) risk-based capital
  • $21,049Tier 2 risk-based capital
  • $1,528Total risk weighted assets
  • $0Total unused commitments
  • $32,915Restructured Loans and leases
  • $469Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,793Total interest income
  • $1,814Total interest expense
  • $6,979Net interest income
  • $775Provision for loan and lease losses
  • $920Total noninterest income
  • $178Fiduciary activities
  • $236Service charges on deposit accounts
  • $0Trading account gains & fees
  • $506Additional noninterest income
  • $4,588Total noninterest expense
  • $2,873Salaries and employee benefits
  • $514Premises and equipment expense
  • $1,201Additional noninterest expense
  • $2,536Pre-tax net operating income
  • $1Securities gains (losses)
  • $77Applicable income taxes
  • $2,460Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,460Net income attributable to bank
  • $0Net charge-offs
  • $2,460Cash dividends
  • $704Sale, conversion, retirement of capital stock, net
  • $850Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.32%Pretax return on assets
  • 11.58%Return on equity (ROE)
  • 7.58%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 110.09%Credit loss provision to net charge-offs
  • 4.70%Efficiency ratio
  • 58,083Assets per employee
  • 4.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.55%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 57.59%Noncurrent assets plus other real estate owned to assets
  • 1.85%Noncurrent loans to loans
  • 2.52%Net loans and leases to deposits
  • 85.40%Net loans and leases to core deposits
  • 90.92%Equity capital to assets
  • 11.17%Core capital (leverage) ratio
  • 10.77%Tier 1 risk-based capital ratio
  • 14.12%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $191,947Average earning assets
  • $21,235Average equity
  • $180,085Average 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
  • $61,075Managed Assets
  • 1Number of Accounts
  • $28,910Personal trust and agency accounts
  • $15,401Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $325Corporate trust and agency accounts
  • $29Investment management agency accounts
  • $13,155Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 167Number of Accounts
  • $0Personal trust and agency accounts
  • $325Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $32,165Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $219Fiduciary accounts held in foreign offices

List of branches

  • 3 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03706The Cattle National Bank And Trust C104 South 5th, Seward, NE 68434June 01, 1873Full Service Brick and Mortar
    1207752Motor Branch405 North Fifth Street, Seward, NE 68434May 01, 1978Limited Service Facility
    2419563Lincoln Branch1550 South Coddington Ave., Suite R, Lincoln, NE 68522January 02, 2003Full Service Brick and Mortar

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