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

The First National Bank of Holdrege - Overview

  • General
  • FDIC Certificate #: 5419
    Status: Active
    Federal Reserve ID: 194253
    Bank Holding Company (Regulatory Top Holder): First Holdrege Bancshares, Inc. (RSSDID: 1058138, Location: Holdrege, NE)
    Date Established: June 13, 1884
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 3664
    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: 401 East Avenue, Holdrege, NE 68949
    County: Phelps
    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: $108.5 mil
    Equity capital: $8.7 mil
    Deposits held in domestic offices: $81.2 mil
    Return on assets (ROA): 0.66% ($0.7 mil)
    Quarterly return on assets: -0.06% (-$0.1 mil)
    Return on Equity (ROE): 8.13% ($0.7 mil)
    Quarterly return on equity: -0.65% (-$0.1 mil)
    Net income: $0.7 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.68% ($737.6 mil)
    Quarterly Pretax return on assets: 0.02% ($21.7 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
  • 26Total employees (full-time equivalent)
  • $108,477Total assets
  • $6,580Cash and due from depository institutions
  • $0Interest-bearing balances
  • $45,188Securities
  • $11,500Federal funds sold & reverse repurchase agreements
  • $41,488Net loans & leases
  • $896Loan loss allowance
  • $0Trading account assets
  • $895Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $108,477Life insurance assets
  • $2,826All other assets
  • $99,797Total liabilities and capital
  • $81,247Total liabilities
  • $54,921Total deposits
  • $81,247Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 16932.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,618Subordinated debt
  • $8,680All other liabilities
  • $8,680Total equity capital
  • $8,680Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $1,500Surplus
  • $5,680Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $697Long-term assets (5+ years)
  • $98,176Average Assets, year-to-date
  • $18,356Average Assets, quarterly
  • $99,742Volatile liabilities
  • $101,580Insider loans
  • $54,846FHLB advances
  • $100,012Loans and leases held for sale
  • $1,322Unused loan commitments
  • $1,322Tier 1 (core) risk-based capital
  • $8,601Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,996Restructured Loans and leases
  • $177Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,744Total interest income
  • $644Total interest expense
  • $3,100Net interest income
  • $510Provision for loan and lease losses
  • $791Total noninterest income
  • $0Fiduciary activities
  • $260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $531Additional noninterest income
  • $2,741Total noninterest expense
  • $1,669Salaries and employee benefits
  • $318Premises and equipment expense
  • $754Additional noninterest expense
  • $640Pre-tax net operating income
  • $43Securities gains (losses)
  • $27Applicable income taxes
  • $656Income before extraordinary items
  • $0Extraordinary gains - net
  • $656Net income attributable to bank
  • $0Net charge-offs
  • $656Cash dividends
  • $324Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.08%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 8.13%Return on equity (ROE)
  • 8.13%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 157.41%Credit loss provision to net charge-offs
  • 3.55%Efficiency ratio
  • 70,445Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.11%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 51.06%Net loans and leases to core deposits
  • 51.38%Equity capital to assets
  • 8.00%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 15.68%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $99,742Average earning assets
  • $8,073Average equity
  • $91,715Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03664The First National Bank Of Holdrege401 East Avenue, Holdrege, NE 68949June 13, 1884Full Service Brick and Mortar

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