The Hershey State Bank in Hershey, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Hershey State Bank in Hershey, Nebraska (NE)
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The Hershey State Bank - Overview

  • General
  • FDIC Certificate #: 19809
    Status: Active
    Federal Reserve ID: 96553
    Bank Holding Company (Regulatory Top Holder): Amerigroup, Inc. (RSSDID: 2625247, Location: Hershey, NE)
    Date Established: March 27, 1968
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10480
    FDIC's unique #: 13603
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 27, 1968
    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: 100 S. Lincoln Ave, Hershey, NE 69143
    County: Lincoln
    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
    Core Based Statistical Area (CBSA): North Platte, NE (#35820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $48.0 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $38.0 mil
    Return on assets (ROA): 1.96% ($0.9 mil)
    Quarterly return on assets: 2.23% ($1.1 mil)
    Return on Equity (ROE): 12.68% ($0.9 mil)
    Quarterly return on equity: 14.05% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 3.00% ($1,439.7 mil)
    Quarterly Pretax return on assets: 3.46% ($1,660.5 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
  • 14Total employees (full-time equivalent)
  • $47,991Total assets
  • $3,811Cash and due from depository institutions
  • $606Interest-bearing balances
  • $2,703Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,967Net loans & leases
  • $1,110Loan loss allowance
  • $0Trading account assets
  • $125Bank premises and fixed assets
  • $82Other real estate owned
  • $0Goodwill and other intangibles
  • $47,991Life insurance assets
  • $1,303All other assets
  • $40,620Total liabilities and capital
  • $37,975Total liabilities
  • $30,000Total deposits
  • $37,975Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,551Trading liabilities
  • $0Other borrowed funds
  • $94Subordinated debt
  • $7,371All other liabilities
  • $7,371Total equity capital
  • $7,371Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,300Surplus
  • $5,971Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $342Income earned, not collected on loans
  • $0Earning assets
  • $658Long-term assets (5+ years)
  • $43,276Average Assets, year-to-date
  • $2,107Average Assets, quarterly
  • $47,173Volatile liabilities
  • $47,090Insider loans
  • $36,965FHLB advances
  • $46,198Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,371Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,607Restructured Loans and leases
  • $794Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,109Total interest income
  • $478Total interest expense
  • $2,631Net interest income
  • $120Provision for loan and lease losses
  • $442Total noninterest income
  • $0Fiduciary activities
  • $260Service charges on deposit accounts
  • $0Trading account gains & fees
  • $182Additional noninterest income
  • $1,536Total noninterest expense
  • $998Salaries and employee benefits
  • $47Premises and equipment expense
  • $491Additional noninterest expense
  • $1,417Pre-tax net operating income
  • $0Securities gains (losses)
  • $493Applicable income taxes
  • $924Income before extraordinary items
  • $0Extraordinary gains - net
  • $924Net income attributable to bank
  • $0Net charge-offs
  • $924Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.04%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 5.96%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 1.96%Net operating income to assets
  • 1.96%Return on assets (ROA)
  • 3.00%Pretax return on assets
  • 12.68%Return on equity (ROE)
  • 5.82%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 428.57%Credit loss provision to net charge-offs
  • 54.89%Efficiency ratio
  • 49,984Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.11%Loss allowance to loans
  • 2.70%Loss allowance to noncurrent loans
  • 324.56%Noncurrent assets plus other real estate owned to assets
  • 0.88%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 105.25%Net loans and leases to core deposits
  • 127.24%Equity capital to assets
  • 15.36%Core capital (leverage) ratio
  • 15.96%Tier 1 risk-based capital ratio
  • 19.94%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $47,173Average earning assets
  • $7,290Average equity
  • $44,161Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013603The Hershey State Bank100 S. Lincoln Ave, Hershey, NE 69143March 27, 1968Full Service Brick and Mortar
    1515766Hershey State Bank Mobile Branch100 South Lincoln Avenue, Hershey, NE 69143January 20, 2011Limited Service Mobile

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