The Hershey State Bank in Hershey, Nebraska (NE)

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The Hershey State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)14
Total assets$47,991
Cash and due from depository institutions$3,811
Interest-bearing balances$606
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$39,967
Loan loss allowance $1,110
Trading account assets$0
Bank premises and fixed assets$125
Other real estate owned$82
Goodwill and other intangibles$0
All other assets$1,303
Life insurance assets$47,991
Total liabilities and capital$40,620
Total liabilities$37,975
Total deposits$30,000
Interest-bearing deposits$37,975
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,551
Other borrowed funds $0
Subordinated debt $94
All other liabilities $7,371
Total equity capital$7,371
Total bank equity capital$7,371
Perpetual preferred stock$0
Common stock$100
Undivided profits $5,971
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 $342
Earning assets $0
Long-term assets (5+ years) $658
Average Assets, year-to-date $43,276
Average Assets, quarterly $2,107
Volatile liabilities $47,173
Insider loans $47,090
FHLB advances $36,965
Loans and leases held for sale $46,198
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,371
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,607
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,109
Total interest expense $478
Net interest income $2,631
Provision for loan and lease losses $120
Total noninterest income $442
Fiduciary activities $0
Service charges on deposit accounts $260
Trading account gains & fees $0
Additional noninterest income $182
Total noninterest expense $1,536
Salaries and employee benefits $998
Premises and equipment expense $47
Additional noninterest expense $491
Pre-tax net operating income $1,417
Securities gains (losses) $0
Applicable income taxes $493
Income before extraordinary items $924
Extraordinary gains - net $0
Net income attributable to bank $924
Net charge-offs $0
Cash dividends $924
Sale, conversion, retirement of capital stock, net $28
Net operating income $500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.04%
Cost of funding earning assets 1.08%
Net interest margin 5.96%
Noninterest income to earning assets 1.00%
Noninterest expense to earning assets 3.48%
Net operating income to assets 1.96%
Return on assets (ROA) 1.96%
Pretax return on assets 3.00%
Return on equity (ROE) 12.68%
Retained earnings to average equity (YTD only) 5.82%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 428.57%
Efficiency ratio54.89%
Assets per employee$49,984
Cash dividends to net income (YTD only)3.43%
Condition Ratios (%)
Loss allowance to loans 54.11%
Loss allowance to noncurrent loans 2.70%
Noncurrent assets plus other real estate owned to assets 324.56%
Noncurrent loans to loans 0.88%
Net loans and leases to deposits0.83%
Net loans and leases to core deposits 105.25%
Equity capital to assets 127.24%
Core capital (leverage) ratio 15.36%
Tier 1 risk-based capital ratio 15.96%
Total risk-based capital ratio 19.94%
Average assets$21
Average earning assets$47,173
Average equity $7,290
Average loans $44,161
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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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