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

The First National Bank of Cambridge - Overview

  • General
  • FDIC Certificate #: 5389
    Status: Active
    Federal Reserve ID: 236050
    Bank Holding Company (Regulatory Top Holder): Fnb Financial Services, Inc. (RSSDID: 1061718, Location: Cambridge, NE)
    Date Established: April 09, 1887
    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)
    FDIC's unique #: 3637
    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: 707 Patterson, Cambridge, NE 69022
    County: Furnas
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $48.6 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $43.6 mil
    Return on assets (ROA): 0.70% ($0.3 mil)
    Quarterly return on assets: 0.73% ($0.4 mil)
    Return on Equity (ROE): 7.20% ($0.4 mil)
    Quarterly return on equity: 7.30% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.73% ($354.5 mil)
    Quarterly Pretax return on assets: 0.77% ($373.9 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
  • 15Total employees (full-time equivalent)
  • $48,562Total assets
  • $11,505Cash and due from depository institutions
  • $10,044Interest-bearing balances
  • $10,170Securities
  • $625Federal funds sold & reverse repurchase agreements
  • $24,902Net loans & leases
  • $296Loan loss allowance
  • $0Trading account assets
  • $324Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $48,562Life insurance assets
  • $1,036All other assets
  • $43,692Total liabilities and capital
  • $43,641Total liabilities
  • $36,062Total deposits
  • $43,641Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $51Subordinated debt
  • $4,870All other liabilities
  • $4,870Total equity capital
  • $4,870Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $100Surplus
  • $4,670Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $112Income earned, not collected on loans
  • $0Earning assets
  • $604Long-term assets (5+ years)
  • $45,741Average Assets, year-to-date
  • $5,918Average Assets, quarterly
  • $49,846Volatile liabilities
  • $49,711Insider loans
  • $28,134FHLB advances
  • $49,229Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,786Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,373Restructured Loans and leases
  • $212Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,807Total interest income
  • $372Total interest expense
  • $1,435Net interest income
  • $15Provision for loan and lease losses
  • $512Total noninterest income
  • $0Fiduciary activities
  • $96Service charges on deposit accounts
  • $0Trading account gains & fees
  • $416Additional noninterest income
  • $1,584Total noninterest expense
  • $951Salaries and employee benefits
  • $92Premises and equipment expense
  • $541Additional noninterest expense
  • $348Pre-tax net operating income
  • $18Securities gains (losses)
  • $15Applicable income taxes
  • $351Income before extraordinary items
  • $0Extraordinary gains - net
  • $351Net income attributable to bank
  • $0Net charge-offs
  • $351Cash dividends
  • $69Sale, conversion, retirement of capital stock, net
  • $345Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.80%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.02%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 7.20%Return on equity (ROE)
  • 0.12%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 21.74%Credit loss provision to net charge-offs
  • 5.26%Efficiency ratio
  • 81,356Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.29%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 264.29%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 57.06%Net loans and leases to core deposits
  • 58.56%Equity capital to assets
  • 10.03%Core capital (leverage) ratio
  • 9.72%Tier 1 risk-based capital ratio
  • 17.01%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $49,846Average earning assets
  • $4,875Average equity
  • $47,509Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03637The First National Bank Of Cambridge707 Patterson, Cambridge, NE 69022April 09, 1887Full Service Brick and Mortar

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