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 WWW:http://www.murraystatebank.com 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
No
ID
Name
Address
Established
Service Type
Map
0
6832
The Murray State Bank
102 West Main Street, Murray, NE 68409
September 01, 1900
Full Service Brick and Mortar
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