The State National Bank & Trust Company in Wayne, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

The State National Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 5490
    Status: Active
    Federal Reserve ID: 581358
    Bank Holding Company (Regulatory Top Holder): State National Bancshares, Inc. (RSSDID: 1965768, Location: Wayne, NE)
    Date Established: January 01, 1892
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3722
    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: 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: 116 West First Street, Wayne, NE 68787
    County: Wayne
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    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: $121.9 mil
    Equity capital: $15.6 mil
    Deposits held in domestic offices: $104.1 mil
    Return on assets (ROA): 0.74% ($0.9 mil)
    Quarterly return on assets: 0.90% ($1.1 mil)
    Return on Equity (ROE): 5.67% ($0.9 mil)
    Quarterly return on equity: 7.03% ($1.1 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.01% ($1,231.0 mil)
    Quarterly Pretax return on assets: 1.24% ($1,511.4 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
  • 19Total employees (full-time equivalent)
  • $121,884Total assets
  • $2,803Cash and due from depository institutions
  • $0Interest-bearing balances
  • $49,346Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,307Net loans & leases
  • $903Loan loss allowance
  • $0Trading account assets
  • $2,604Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $121,884Life insurance assets
  • $2,824All other assets
  • $106,322Total liabilities and capital
  • $104,107Total liabilities
  • $88,033Total deposits
  • $104,107Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $915Trading liabilities
  • $0Other borrowed funds
  • $1,300Subordinated debt
  • $15,562All other liabilities
  • $15,562Total equity capital
  • $15,562Total bank equity capital
  • $0Perpetual preferred stock
  • $650Common stock
  • $650Surplus
  • $14,262Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $329Income earned, not collected on loans
  • $0Earning assets
  • $1,146Long-term assets (5+ years)
  • $113,653Average Assets, year-to-date
  • $37,016Average Assets, quarterly
  • $115,032Volatile liabilities
  • $121,544Insider loans
  • $82,712FHLB advances
  • $121,609Loans and leases held for sale
  • $1,232Unused loan commitments
  • $1,014Tier 1 (core) risk-based capital
  • $14,496Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $218Total unused commitments
  • $176Restructured Loans and leases
  • $234Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,446Total interest income
  • $927Total interest expense
  • $3,519Net interest income
  • $100Provision for loan and lease losses
  • $467Total noninterest income
  • $118Fiduciary activities
  • $181Service charges on deposit accounts
  • $0Trading account gains & fees
  • $168Additional noninterest income
  • $2,721Total noninterest expense
  • $1,500Salaries and employee benefits
  • $342Premises and equipment expense
  • $879Additional noninterest expense
  • $1,165Pre-tax net operating income
  • $0Securities gains (losses)
  • $316Applicable income taxes
  • $849Income before extraordinary items
  • $0Extraordinary gains - net
  • $849Net income attributable to bank
  • $0Net charge-offs
  • $849Cash dividends
  • $84Sale, conversion, retirement of capital stock, net
  • $390Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 5.67%Return on equity (ROE)
  • 3.07%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 119.05%Credit loss provision to net charge-offs
  • 15.06%Efficiency ratio
  • 68,264Assets per employee
  • 6.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.94%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 274.47%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 61.77%Net loans and leases to core deposits
  • 65.57%Equity capital to assets
  • 12.77%Core capital (leverage) ratio
  • 11.92%Tier 1 risk-based capital ratio
  • 17.53%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $115,032Average earning assets
  • $14,966Average equity
  • $107,511Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $16,164Managed Assets
  • 1Number of Accounts
  • $16,164Personal trust and agency accounts
  • $13,393Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,916Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $855Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 48Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03722The State National Bank & Trust Comp116 West First Street, Wayne, NE 68787January 01, 1892Full Service Brick and Mortar
    1207758Drive-In Walk-Up Facility1002 Main Street, Wayne, NE 68787January 25, 1975Limited Service Facility

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