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

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

  • General
  • FDIC Certificate #: 5486
    Status: Active
    Federal Reserve ID: 540056
    Bank Holding Company (Regulatory Top Holder): Bank Management, Inc. (RSSDID: 1020854, Location: Wahoo, NE)
    Date Established: July 15, 1882
    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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11622
    FDIC's unique #: 3718
    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: July 22, 2010
    Last Structure Change Process Date: September 10, 2010
    Last Data Update: September 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 East 5th, Wahoo, NE 68066
    County: Saunders
    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
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $194.8 mil
    Equity capital: $18.4 mil
    Deposits held in domestic offices: $131.2 mil
    Return on assets (ROA): 0.96% ($1.9 mil)
    Quarterly return on assets: 0.84% ($1.6 mil)
    Return on Equity (ROE): 10.22% ($1.8 mil)
    Quarterly return on equity: 8.92% ($1.6 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.23% ($2,395.8 mil)
    Quarterly Pretax return on assets: 0.93% ($1,811.5 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
  • 37Total employees (full-time equivalent)
  • $194,782Total assets
  • $19,456Cash and due from depository institutions
  • $10,775Interest-bearing balances
  • $66,677Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $99,054Net loans & leases
  • $1,012Loan loss allowance
  • $0Trading account assets
  • $1,609Bank premises and fixed assets
  • $660Other real estate owned
  • $1,730Goodwill and other intangibles
  • $194,782Life insurance assets
  • $5,596All other assets
  • $176,352Total liabilities and capital
  • $131,193Total liabilities
  • $101,744Total deposits
  • $131,193Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 16803.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,832Trading liabilities
  • $0Other borrowed funds
  • $2,524Subordinated debt
  • $18,430All other liabilities
  • $18,430Total equity capital
  • $18,430Total bank equity capital
  • $0Perpetual preferred stock
  • $678Common stock
  • $6,748Surplus
  • $11,004Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,900Income earned, not collected on loans
  • $0Earning assets
  • $1,775Long-term assets (5+ years)
  • $176,506Average Assets, year-to-date
  • $45,739Average Assets, quarterly
  • $188,896Volatile liabilities
  • $194,875Insider loans
  • $139,548FHLB advances
  • $193,679Loans and leases held for sale
  • $669Unused loan commitments
  • $669Tier 1 (core) risk-based capital
  • $16,755Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,588Restructured Loans and leases
  • $2,283Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,771Total interest income
  • $1,914Total interest expense
  • $5,857Net interest income
  • $247Provision for loan and lease losses
  • $722Total noninterest income
  • $9Fiduciary activities
  • $298Service charges on deposit accounts
  • $0Trading account gains & fees
  • $415Additional noninterest income
  • $4,011Total noninterest expense
  • $2,498Salaries and employee benefits
  • $175Premises and equipment expense
  • $1,338Additional noninterest expense
  • $2,321Pre-tax net operating income
  • -$6Securities gains (losses)
  • $504Applicable income taxes
  • $1,811Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,811Net income attributable to bank
  • $0Net charge-offs
  • $1,811Cash dividends
  • $139Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.30%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 10.22%Return on equity (ROE)
  • 6.83%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 177.70%Credit loss provision to net charge-offs
  • 18.47%Efficiency ratio
  • 59,112Assets per employee
  • 5.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.13%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 53.26%Noncurrent assets plus other real estate owned to assets
  • 1.31%Noncurrent loans to loans
  • 1.90%Net loans and leases to deposits
  • 75.50%Net loans and leases to core deposits
  • 75.86%Equity capital to assets
  • 9.46%Core capital (leverage) ratio
  • 8.65%Tier 1 risk-based capital ratio
  • 12.01%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $188,896Average earning assets
  • $17,719Average equity
  • $174,762Average 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
  • $980Managed Assets
  • 1Number of Accounts
  • $980Personal trust and agency accounts
  • $980Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03718The First National Bank Of Wahoo201 East 5th, Wahoo, NE 68066July 15, 1882Full Service Brick and Mortar
    16815Burchard Branch200 Pawnee St, Burchard, NE 68323May 28, 1928Full Service Brick and Mortar
    210386Sterling Branch140 Broadway St, Sterling, NE 68443September 01, 1944Full Service Brick and Mortar
    3512334Syracuse Branch320 Fifth St, Syracuse, NE 68446July 22, 2010Full Service Brick and Mortar

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