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
    WWW: http://www.state-national-bank.com
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The State National Bank & Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents