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

The Potter State Bank of Potter - Overview

  • General
  • FDIC Certificate #: 17205
    Status: Active
    Federal Reserve ID: 736158
    Bank Holding Company (Regulatory Top Holder): Enevoldsen Management Company (RSSDID: 2046516, Location: Potter, NE)
    Date Established: March 19, 1945
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 11234
    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: April 13, 1953
    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: Front And Chestnut, Potter, NE 69156
    County: Cheyenne
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $30.4 mil
    Equity capital: $3.7 mil
    Deposits held in domestic offices: $26.5 mil
    Return on assets (ROA): 0.62% ($0.2 mil)
    Quarterly return on assets: 0.68% ($0.2 mil)
    Return on Equity (ROE): 4.89% ($0.2 mil)
    Quarterly return on equity: 5.55% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.65% ($197.8 mil)
    Quarterly Pretax return on assets: 0.63% ($191.8 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
  • 10Total employees (full-time equivalent)
  • $30,438Total assets
  • $6,988Cash and due from depository institutions
  • $1,800Interest-bearing balances
  • $8,325Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,996Net loans & leases
  • $204Loan loss allowance
  • $0Trading account assets
  • $279Bank premises and fixed assets
  • $237Other real estate owned
  • $0Goodwill and other intangibles
  • $30,438Life insurance assets
  • $613All other assets
  • $26,741Total liabilities and capital
  • $26,472Total liabilities
  • $22,116Total deposits
  • $26,472Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $269Subordinated debt
  • $3,697All other liabilities
  • $3,697Total equity capital
  • $3,697Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,100Surplus
  • $397Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $347Long-term assets (5+ years)
  • $24,121Average Assets, year-to-date
  • $5,320Average Assets, quarterly
  • $28,571Volatile liabilities
  • $29,793Insider loans
  • $18,825FHLB advances
  • $29,962Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,668Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,051Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,292Total interest income
  • $244Total interest expense
  • $1,048Net interest income
  • $0Provision for loan and lease losses
  • $132Total noninterest income
  • $0Fiduciary activities
  • $88Service charges on deposit accounts
  • $0Trading account gains & fees
  • $44Additional noninterest income
  • $994Total noninterest expense
  • $583Salaries and employee benefits
  • $142Premises and equipment expense
  • $269Additional noninterest expense
  • $186Pre-tax net operating income
  • $0Securities gains (losses)
  • $10Applicable income taxes
  • $176Income before extraordinary items
  • $0Extraordinary gains - net
  • $176Net income attributable to bank
  • $0Net charge-offs
  • $176Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 4.89%Return on equity (ROE)
  • 4.89%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 84,237Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 52.87%Net loans and leases to core deposits
  • 54.82%Equity capital to assets
  • 12.15%Core capital (leverage) ratio
  • 12.24%Tier 1 risk-based capital ratio
  • 19.48%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $28,571Average earning assets
  • $3,597Average equity
  • $23,624Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011234The Potter State Bank Of PotterFront And Chestnut, Potter, NE 69156March 19, 1945Full Service Brick and Mortar
    1518758Kimball State Bank205 South Locust Street, Kimball, NE 69145April 18, 2011Full Service Brick and Mortar

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