The Fullerton National Bank in Fullerton, Nebraska (NE)

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The Fullerton National Bank
GeneralFDIC Certificate #: 5406
Status: Active
Federal Reserve ID: 150352
Bank Holding Company (Regulatory Top Holder): Woodstock Land And Cattle Company (RSSDID: 1052314, Location: Fullerton, NE)
Date Established: January 01, 1900
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 #: 3653
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
LocationAddress: 4th And Broadway, Fullerton, NE 68638
County: Nance
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $36.5 mil
Equity capital: $3.5 mil
Deposits held in domestic offices: $25.0 mil
Return on assets (ROA): 1.48% ($0.5 mil)
Quarterly return on assets: 1.53% ($0.6 mil)
Return on Equity (ROE): 15.03% ($0.5 mil)
Quarterly return on equity: 16.15% ($0.5 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.52% ($555.3 mil)
Quarterly Pretax return on assets: 1.58% ($577.3 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)
Total employees (full-time equivalent)9
Total assets$36,535
Cash and due from depository institutions$5,857
Interest-bearing balances$5,723
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$25,836
Loan loss allowance $448
Trading account assets$0
Bank premises and fixed assets$163
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,162
Life insurance assets$36,535
Total liabilities and capital$33,043
Total liabilities$24,997
Total deposits$21,567
Interest-bearing deposits$24,997
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,976
Other borrowed funds $0
Subordinated debt $70
All other liabilities $3,492
Total equity capital$3,492
Total bank equity capital$3,492
Perpetual preferred stock$0
Common stock$140
Undivided profits $3,098
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $462
Earning assets $0
Long-term assets (5+ years) $624
Average Assets, year-to-date $35,076
Average Assets, quarterly $2,510
Volatile liabilities $33,786
Insider loans $36,535
FHLB advances $29,553
Loans and leases held for sale $36,157
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,393
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,423
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,670
Total interest expense $412
Net interest income $1,258
Provision for loan and lease losses $24
Total noninterest income $126
Fiduciary activities $0
Service charges on deposit accounts $105
Trading account gains & fees $0
Additional noninterest income $21
Total noninterest expense $848
Salaries and employee benefits $533
Premises and equipment expense $54
Additional noninterest expense $261
Pre-tax net operating income $512
Securities gains (losses) $0
Applicable income taxes $12
Income before extraordinary items $500
Extraordinary gains - net $0
Net income attributable to bank $500
Net charge-offs $0
Cash dividends $500
Sale, conversion, retirement of capital stock, net $0
Net operating income $200
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.15%
Cost of funding earning assets 1.27%
Net interest margin 3.88%
Noninterest income to earning assets 0.39%
Noninterest expense to earning assets 2.61%
Net operating income to assets 1.48%
Return on assets (ROA) 1.48%
Pretax return on assets 1.52%
Return on equity (ROE) 15.03%
Retained earnings to average equity (YTD only) 9.02%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$42,413
Cash dividends to net income (YTD only)4.06%
Condition Ratios (%)
Loss allowance to loans 40.00%
Loss allowance to noncurrent loans 1.70%
Noncurrent assets plus other real estate owned to assets 96.97%
Noncurrent loans to loans 1.26%
Net loans and leases to deposits1.76%
Net loans and leases to core deposits 103.36%
Equity capital to assets 105.47%
Core capital (leverage) ratio 9.56%
Tier 1 risk-based capital ratio 9.38%
Total risk-based capital ratio 11.48%
Average assets$13
Average earning assets$33,786
Average equity $3,328
Average loans $32,431
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1 Nebraska Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03653The Fullerton National Bank4th And Broadway, Fullerton, NE 68638January 01, 1900Full Service Brick and Mortar
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