The First National Bank of Bancroft in Bancroft, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The First National Bank of Bancroft in Bancroft, Nebraska (NE)
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The First National Bank of Bancroft - Overview

  • General
  • FDIC Certificate #: 5380
    Status: Active
    Federal Reserve ID: 983055
    Date Established: January 01, 1884
    WWW: http://www.firstnationalbancroft.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 82171
    FDIC's unique #: 3630
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 Main Street, Bancroft, NE 68004
    County: Cuming
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $19.9 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $16.1 mil
    Return on assets (ROA): 0.77% ($0.2 mil)
    Quarterly return on assets: -0.14% (-$0.0 mil)
    Return on Equity (ROE): 4.92% ($0.1 mil)
    Quarterly return on equity: -0.86% (-$0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.98% ($195.1 mil)
    Quarterly Pretax return on assets: -0.49% (-$97.5 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
  • 5Total employees (full-time equivalent)
  • $19,904Total assets
  • $3,523Cash and due from depository institutions
  • $2,362Interest-bearing balances
  • $5,037Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $10,788Net loans & leases
  • $144Loan loss allowance
  • $0Trading account assets
  • $56Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $19,904Life insurance assets
  • $500All other assets
  • $16,716Total liabilities and capital
  • $16,062Total liabilities
  • $13,156Total deposits
  • $16,062Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 486.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $168Subordinated debt
  • $3,188All other liabilities
  • $3,188Total equity capital
  • $3,188Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $75Surplus
  • $3,063Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $65Income earned, not collected on loans
  • $29Earning assets
  • $249Long-term assets (5+ years)
  • $18,187Average Assets, year-to-date
  • $2,432Average Assets, quarterly
  • $20,774Volatile liabilities
  • $20,446Insider loans
  • $13,798FHLB advances
  • $20,557Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,194Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,088Restructured Loans and leases
  • $424Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $863Total interest income
  • $133Total interest expense
  • $730Net interest income
  • $46Provision for loan and lease losses
  • $67Total noninterest income
  • $0Fiduciary activities
  • $52Service charges on deposit accounts
  • $0Trading account gains & fees
  • $15Additional noninterest income
  • $545Total noninterest expense
  • $319Salaries and employee benefits
  • $69Premises and equipment expense
  • $157Additional noninterest expense
  • $206Pre-tax net operating income
  • -$2Securities gains (losses)
  • $45Applicable income taxes
  • $159Income before extraordinary items
  • $0Extraordinary gains - net
  • $159Net income attributable to bank
  • $0Net charge-offs
  • $159Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 4.92%Return on equity (ROE)
  • 1.83%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 191.67%Credit loss provision to net charge-offs
  • 10.50%Efficiency ratio
  • 68,381Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.89%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 221.54%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 67.16%Net loans and leases to core deposits
  • 68.27%Equity capital to assets
  • 16.02%Core capital (leverage) ratio
  • 15.54%Tier 1 risk-based capital ratio
  • 23.15%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $20,774Average earning assets
  • $3,233Average equity
  • $19,653Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03630The First National Bank Of Bancroft301 Main Street, Bancroft, NE 68004January 01, 1884Full Service Brick and Mortar

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