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

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

  • General
  • FDIC Certificate #: 5400
    Status: Active
    Federal Reserve ID: 548856
    Bank Holding Company (Regulatory Top Holder): First National Fairbury Corporation (RSSDID: 1056965, Location: Fairbury, NE)
    Date Established: August 01, 1883
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 3647
    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: 423 5th Street, Fairbury, NE 68352
    County: Jefferson
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $148.7 mil
    Equity capital: $24.1 mil
    Deposits held in domestic offices: $98.3 mil
    Return on assets (ROA): 1.49% ($2.2 mil)
    Quarterly return on assets: 1.24% ($1.8 mil)
    Return on Equity (ROE): 8.77% ($2.1 mil)
    Quarterly return on equity: 7.39% ($1.8 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.49% ($2,216.0 mil)
    Quarterly Pretax return on assets: 1.24% ($1,844.2 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
  • 34Total employees (full-time equivalent)
  • $148,726Total assets
  • $4,763Cash and due from depository institutions
  • $441Interest-bearing balances
  • $88,931Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,859Net loans & leases
  • $1,018Loan loss allowance
  • $0Trading account assets
  • $1,390Bank premises and fixed assets
  • $366Other real estate owned
  • $0Goodwill and other intangibles
  • $148,726Life insurance assets
  • $8,417All other assets
  • $124,639Total liabilities and capital
  • $98,260Total liabilities
  • $80,105Total deposits
  • $98,260Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 16650.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,400Trading liabilities
  • $0Other borrowed funds
  • $329Subordinated debt
  • $24,087All other liabilities
  • $24,087Total equity capital
  • $24,087Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,000Surplus
  • $20,087Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $118Income earned, not collected on loans
  • $0Earning assets
  • $1,767Long-term assets (5+ years)
  • $134,231Average Assets, year-to-date
  • $93,810Average Assets, quarterly
  • $141,244Volatile liabilities
  • $146,715Insider loans
  • $88,582FHLB advances
  • $151,599Loans and leases held for sale
  • $5,208Unused loan commitments
  • $5,208Tier 1 (core) risk-based capital
  • $23,150Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,405Restructured Loans and leases
  • $83Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,063Total interest income
  • $934Total interest expense
  • $5,129Net interest income
  • $0Provision for loan and lease losses
  • $493Total noninterest income
  • $0Fiduciary activities
  • $197Service charges on deposit accounts
  • $0Trading account gains & fees
  • $296Additional noninterest income
  • $3,530Total noninterest expense
  • $2,207Salaries and employee benefits
  • $424Premises and equipment expense
  • $899Additional noninterest expense
  • $2,092Pre-tax net operating income
  • $6Securities gains (losses)
  • $0Applicable income taxes
  • $2,098Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,098Net income attributable to bank
  • $0Net charge-offs
  • $2,098Cash dividends
  • -$130Sale, conversion, retirement of capital stock, net
  • $2,850Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 1.48%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 8.77%Return on equity (ROE)
  • -3.14%Retained earnings to average equity (YTD only)
  • -0.29%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,789Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 135.84%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 862.71%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 45.65%Net loans and leases to core deposits
  • 50.22%Equity capital to assets
  • 16.20%Core capital (leverage) ratio
  • 15.27%Tier 1 risk-based capital ratio
  • 26.13%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $141,244Average earning assets
  • $23,920Average equity
  • $128,814Average loans

List of branches

  • 3 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03647The First National Bank Of Fairbury423 5th Street, Fairbury, NE 68352August 01, 1883Full Service Brick and Mortar
    1207646Drive-In Branch525 F Street, Fairbury, NE 68352Febuary 16, 1971Limited Service Facility
    2207647Fairbury Branch1411 K Street, Fairbury, NE 68352May 05, 1999Full Service Brick and Mortar

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