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

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

  • General
  • FDIC Certificate #: 10653
    Status: Active
    Federal Reserve ID: 40350
    Bank Holding Company (Regulatory Top Holder): Swedlund Management Company (RSSDID: 1054671, Location: Murray, NE)
    Date Established: September 01, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 6832
    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: 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: 102 West Main Street, Murray, NE 68409
    County: Cass
    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
    Metropolitan Statistical Area (MSA): Omaha, NE-IA (#5920)
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $47.4 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $36.0 mil
    Return on assets (ROA): 0.64% ($0.3 mil)
    Quarterly return on assets: 0.03% ($0.0 mil)
    Return on Equity (ROE): 4.09% ($0.3 mil)
    Quarterly return on equity: 0.22% ($0.0 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.00% ($474.4 mil)
    Quarterly Pretax return on assets: 0.48% ($227.7 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
  • 8Total employees (full-time equivalent)
  • $47,444Total assets
  • $8,395Cash and due from depository institutions
  • $4,889Interest-bearing balances
  • $5,141Securities
  • $200Federal funds sold & reverse repurchase agreements
  • $32,628Net loans & leases
  • $259Loan loss allowance
  • $0Trading account assets
  • $261Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $47,444Life insurance assets
  • $819All other assets
  • $40,091Total liabilities and capital
  • $35,994Total liabilities
  • $27,438Total deposits
  • $35,994Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,005Trading liabilities
  • $0Other borrowed funds
  • $92Subordinated debt
  • $7,353All other liabilities
  • $7,353Total equity capital
  • $7,353Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,200Surplus
  • $5,853Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $809Income earned, not collected on loans
  • $0Earning assets
  • $439Long-term assets (5+ years)
  • $42,858Average Assets, year-to-date
  • $1,753Average Assets, quarterly
  • $46,259Volatile liabilities
  • $48,066Insider loans
  • $30,857FHLB advances
  • $45,406Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,337Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,980Restructured Loans and leases
  • $711Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,042Total interest income
  • $407Total interest expense
  • $1,635Net interest income
  • $10Provision for loan and lease losses
  • $154Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • $78Additional noninterest income
  • $1,316Total noninterest expense
  • $629Salaries and employee benefits
  • $153Premises and equipment expense
  • $534Additional noninterest expense
  • $463Pre-tax net operating income
  • $0Securities gains (losses)
  • $168Applicable income taxes
  • $295Income before extraordinary items
  • $0Extraordinary gains - net
  • $295Net income attributable to bank
  • $0Net charge-offs
  • $295Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 4.09%Return on equity (ROE)
  • 4.09%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 47.30%Efficiency ratio
  • 73,561Assets per employee
  • 5.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 32.01%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 2.46%Net loans and leases to deposits
  • 90.65%Net loans and leases to core deposits
  • 94.03%Equity capital to assets
  • 15.50%Core capital (leverage) ratio
  • 16.16%Tier 1 risk-based capital ratio
  • 23.78%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $46,259Average earning assets
  • $7,206Average equity
  • $42,396Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06832The Murray State Bank102 West Main Street, Murray, NE 68409September 01, 1900Full Service Brick and Mortar

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