The Jones National Bank and Trust Company of Seward in Seward, Nebraska (NE)

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The Jones National Bank and Trust Company of Seward
GeneralFDIC Certificate #: 5473
Status: Active
Federal Reserve ID: 469559
Bank Holding Company (Regulatory Top Holder): Jones National Corporation (RSSDID: 1061156, Location: Seward, NE)
Date Established: October 01, 1883
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: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 11830
FDIC's unique #: 3707
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: 203 South 6th, Seward, NE 68434
County: Seward
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
Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
CBSA Metro Statistical Area: Lincoln, NE (#30700)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $215.5 mil
Equity capital: $20.8 mil
Deposits held in domestic offices: $175.5 mil
Return on assets (ROA): 1.07% ($2.3 mil)
Quarterly return on assets: 1.33% ($2.9 mil)
Return on Equity (ROE): 11.49% ($2.4 mil)
Quarterly return on equity: 13.85% ($2.9 mil)
Net income: $2.3 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.11% ($2,391.8 mil)
Quarterly Pretax return on assets: 1.39% ($2,995.1 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)53
Total assets$215,474
Cash and due from depository institutions$4,094
Interest-bearing balances$21
Federal funds sold & reverse repurchase agreements$360
Net loans & leases$135,714
Loan loss allowance $1,845
Trading account assets$0
Bank premises and fixed assets$2,657
Other real estate owned$88
Goodwill and other intangibles$0
All other assets$3,679
Life insurance assets$215,474
Total liabilities and capital$194,719
Total liabilities$175,528
Total deposits$146,264
Interest-bearing deposits$175,528
Deposits held in domestic offices$87
% insured (estimated)13271.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,288
Other borrowed funds $0
Subordinated debt $632
All other liabilities $20,755
Total equity capital$20,755
Total bank equity capital$20,755
Perpetual preferred stock$0
Common stock$100
Undivided profits $19,155
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 $310
Earning assets $0
Long-term assets (5+ years) $1,980
Average Assets, year-to-date $204,977
Average Assets, quarterly $20,188
Volatile liabilities $216,335
Insider loans $214,835
FHLB advances $157,745
Loans and leases held for sale $215,996
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $19,674
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $26,157
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,193
Total interest expense $1,713
Net interest income $7,480
Provision for loan and lease losses $540
Total noninterest income $985
Fiduciary activities $159
Service charges on deposit accounts $564
Trading account gains & fees $0
Additional noninterest income $262
Total noninterest expense $5,544
Salaries and employee benefits $3,654
Premises and equipment expense $505
Additional noninterest expense $1,385
Pre-tax net operating income $2,381
Securities gains (losses) $24
Applicable income taxes $83
Income before extraordinary items $2,322
Extraordinary gains - net $0
Net income attributable to bank $2,322
Net charge-offs $0
Cash dividends $2,322
Sale, conversion, retirement of capital stock, net $357
Net operating income $1,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.48%
Cost of funding earning assets 0.84%
Net interest margin 3.65%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 2.70%
Net operating income to assets 1.06%
Return on assets (ROA) 1.07%
Pretax return on assets 1.11%
Return on equity (ROE) 11.49%
Retained earnings to average equity (YTD only) 3.57%
Net charge-offs to loans 0.28%
Credit loss provision to net charge-offs 151.26%
Efficiency ratio8.18%
Assets per employee$65,493
Cash dividends to net income (YTD only)4.07%
Condition Ratios (%)
Loss allowance to loans 68.91%
Loss allowance to noncurrent loans 1.34%
Noncurrent assets plus other real estate owned to assets 595.16%
Noncurrent loans to loans 0.18%
Net loans and leases to deposits0.23%
Net loans and leases to core deposits 77.32%
Equity capital to assets 82.94%
Core capital (leverage) ratio 9.63%
Tier 1 risk-based capital ratio 9.11%
Total risk-based capital ratio 12.47%
Average assets$14
Average earning assets$216,335
Average equity $20,206
Average loans $205,124
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$98,996
Number of Accounts1
Personal trust and agency accounts$41,435
Employee benefit-defined contribution accounts$40,440
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$665
Investment management agency accounts$0
Other fiduciary accounts$330
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts290
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$283
Employee benefit-defined benefit accounts$0
Other retirement accounts$57,561
Corporate trust and agency accounts$33,200
Other fiduciary accounts$2,034
Fiduciary accounts held in foreign offices$22,004
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3 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03707The Jones National Bank And Trust Co203 South 6th, Seward, NE 68434October 01, 1883Full Service Brick and Mortar
143796341 N 6th Street Branch341 North 6th Street, Seward, NE 68434January 01, 1894Full Service Brick and Mortar
2425137Milford Branch807 Fifth Street, Milford, NE 68405January 12, 2004Full Service Brick and Mortar
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