Town & Country Bank in Ravenna, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Town & Country Bank in Ravenna, Nebraska (NE)
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Town & Country Bank - Overview

  • General
  • FDIC Certificate #: 1434
    Status: Active
    Federal Reserve ID: 738255
    Bank Holding Company (Regulatory Top Holder): Platte Valley Cattle Company (RSSDID: 1054859, Location: Grand Island, NE)
    Date Established: January 01, 1932
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15876
    FDIC's unique #: 952
    Numeric code: 13
    Regulator: FED
    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: 423 Grand Avenue, Ravenna, NE 68869
    County: Buffalo
    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
    Core Based Statistical Area (CBSA): Kearney, NE (#28260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $131.1 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $103.1 mil
    Return on assets (ROA): 1.31% ($1.7 mil)
    Quarterly return on assets: 0.85% ($1.1 mil)
    Return on Equity (ROE): 12.77% ($1.7 mil)
    Quarterly return on equity: 8.38% ($1.1 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.82% ($2,385.3 mil)
    Quarterly Pretax return on assets: 1.44% ($1,887.2 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
  • 25Total employees (full-time equivalent)
  • $131,058Total assets
  • $4,076Cash and due from depository institutions
  • $158Interest-bearing balances
  • $31,085Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,781Net loans & leases
  • $1,025Loan loss allowance
  • $0Trading account assets
  • $1,538Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $131,058Life insurance assets
  • $4,578All other assets
  • $117,638Total liabilities and capital
  • $103,075Total liabilities
  • $86,793Total deposits
  • $103,075Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 2800.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,281Trading liabilities
  • $0Other borrowed funds
  • $1,482Subordinated debt
  • $13,420All other liabilities
  • $13,420Total equity capital
  • $13,420Total bank equity capital
  • $0Perpetual preferred stock
  • $1,260Common stock
  • $2,080Surplus
  • $10,080Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $207Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $575Income earned, not collected on loans
  • $0Earning assets
  • $1,829Long-term assets (5+ years)
  • $121,024Average Assets, year-to-date
  • $24,260Average Assets, quarterly
  • $125,570Volatile liabilities
  • $132,385Insider loans
  • $101,265FHLB advances
  • $129,705Loans and leases held for sale
  • $1,094Unused loan commitments
  • $1,094Tier 1 (core) risk-based capital
  • $12,745Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,731Restructured Loans and leases
  • $412Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,869Total interest income
  • $1,401Total interest expense
  • $4,468Net interest income
  • $70Provision for loan and lease losses
  • $490Total noninterest income
  • $0Fiduciary activities
  • $200Service charges on deposit accounts
  • $0Trading account gains & fees
  • $290Additional noninterest income
  • $2,635Total noninterest expense
  • $1,643Salaries and employee benefits
  • $395Premises and equipment expense
  • $597Additional noninterest expense
  • $2,253Pre-tax net operating income
  • $30Securities gains (losses)
  • $636Applicable income taxes
  • $1,647Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,647Net income attributable to bank
  • $0Net charge-offs
  • $1,647Cash dividends
  • $17Sale, conversion, retirement of capital stock, net
  • $819Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.28%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 12.77%Return on equity (ROE)
  • 6.42%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 411.76%Credit loss provision to net charge-offs
  • 136.65%Efficiency ratio
  • 53,146Assets per employee
  • 5.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.73%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 178.26%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 87.10%Net loans and leases to core deposits
  • 91.28%Equity capital to assets
  • 10.24%Core capital (leverage) ratio
  • 9.83%Tier 1 risk-based capital ratio
  • 12.59%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $125,570Average earning assets
  • $12,901Average equity
  • $115,597Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0952Town & Country Bank423 Grand Avenue, Ravenna, NE 68869January 01, 1932Full Service Brick and Mortar
    114910Litchfield Branch224 N Main Street, Litchfield, NE 68852May 01, 1974Full Service Brick and Mortar
    214133Pleasanton State Bank Branch102 North Sycamore Street, Pleasanton, NE 68866September 09, 1971Full Service Brick and Mortar
    3426729Kearney Branch6005 2nd Avenue West, Kearney, NE 68847October 11, 2003Full Service Brick and Mortar

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