The Fremont National Bank and Trust Company in Fremont, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Fremont National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 5402
    Status: Active
    Federal Reserve ID: 264558
    Bank Holding Company (Regulatory Top Holder): Lauritzen Corporation (RSSDID: 1066209, Location: Omaha, NE)
    Date Established: November 01, 1871
    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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12596
    FDIC's unique #: 3649
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 152 East Sixth Street, Fremont, NE 68025
    County: Dodge
    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): Fremont, NE (#23340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $308.1 mil
    Equity capital: $24.5 mil
    Deposits held in domestic offices: $276.2 mil
    Return on assets (ROA): 1.21% ($3.7 mil)
    Quarterly return on assets: 0.63% ($1.9 mil)
    Return on Equity (ROE): 14.81% ($3.6 mil)
    Quarterly return on equity: 7.99% ($1.9 mil)
    Net income: $3.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.82% ($5,607.7 mil)
    Quarterly Pretax return on assets: 0.93% ($2,865.5 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
  • 84Total employees (full-time equivalent)
  • $308,117Total assets
  • $63,658Cash and due from depository institutions
  • $51,337Interest-bearing balances
  • $57,161Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $178,612Net loans & leases
  • $1,718Loan loss allowance
  • $0Trading account assets
  • $2,613Bank premises and fixed assets
  • $0Other real estate owned
  • $1,596Goodwill and other intangibles
  • $308,117Life insurance assets
  • $4,477All other assets
  • $283,646Total liabilities and capital
  • $276,246Total liabilities
  • $200,429Total deposits
  • $276,246Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 3684.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $36Trading liabilities
  • $0Other borrowed funds
  • $3,680Subordinated debt
  • $24,471All other liabilities
  • $24,471Total equity capital
  • $24,471Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $9,191Surplus
  • $14,080Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $621Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $828Income earned, not collected on loans
  • $0Earning assets
  • $1,098Long-term assets (5+ years)
  • $287,110Average Assets, year-to-date
  • $46,901Average Assets, quarterly
  • $304,699Volatile liabilities
  • $311,026Insider loans
  • $130,830FHLB advances
  • $305,848Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,044Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $39,781Restructured Loans and leases
  • $3,942Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,743Total interest income
  • $1,402Total interest expense
  • $10,341Net interest income
  • $526Provision for loan and lease losses
  • $4,391Total noninterest income
  • $1,806Fiduciary activities
  • $1,263Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,322Additional noninterest income
  • $9,382Total noninterest expense
  • $5,260Salaries and employee benefits
  • $731Premises and equipment expense
  • $3,391Additional noninterest expense
  • $4,824Pre-tax net operating income
  • $731Securities gains (losses)
  • $1,863Applicable income taxes
  • $3,692Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,692Net income attributable to bank
  • $0Net charge-offs
  • $3,692Cash dividends
  • $391Sale, conversion, retirement of capital stock, net
  • $4,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 3.58%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 14.81%Return on equity (ROE)
  • -1.24%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 134.53%Credit loss provision to net charge-offs
  • 13.68%Efficiency ratio
  • 63,684Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 108.34%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 207.49%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 64.66%Net loans and leases to core deposits
  • 69.71%Equity capital to assets
  • 7.94%Core capital (leverage) ratio
  • 7.86%Tier 1 risk-based capital ratio
  • 18.38%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $304,699Average earning assets
  • $24,932Average equity
  • $288,925Average 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
  • $545,646Managed Assets
  • 1Number of Accounts
  • $242,364Personal trust and agency accounts
  • $56,904Employee benefit-defined contribution accounts
  • $56,285Employee benefit-defined benefit accounts
  • $3,879Other retirement accounts
  • $20,945Corporate trust and agency accounts
  • $53,531Investment management agency accounts
  • $47,156Other fiduciary accounts
  • $3,645Fiduciary accounts held in foreign offices
  • $19Non-managed Assets
  • 958Number of Accounts
  • $0Personal trust and agency accounts
  • $20,945Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $303,282Other retirement accounts
  • $25,295Corporate trust and agency accounts
  • $107,529Other fiduciary accounts
  • $21,892Fiduciary accounts held in foreign offices

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03649The Fremont National Bank And Trust152 East Sixth Street, Fremont, NE 68025November 01, 1871Full Service Brick and Mortar
    1207649East Branch1152 East 16th Street, Fremont, NE 68025July 10, 1974Full Service Brick and Mortar
    2207650North Branch801 East 23rd Street, Fremont, NE 68025Febuary 23, 1979Full Service Brick and Mortar
    4426562Mobile Branch152 East 6th Street, Fremont, NE 68025October 01, 2003Limited Service Mobile

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