Washington County Bank in Blair, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


Washington County Bank - Overview

  • General
  • FDIC Certificate #: 12241
    Status: Active
    Federal Reserve ID: 1000052
    Bank Holding Company (Regulatory Top Holder): Lauritzen Corporation (RSSDID: 1066209, Location: Omaha, NE)
    Date Established: July 01, 1915
    WWW: http://www.washingtoncountybank.com
    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 #: 7781
    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: 1523 Washington Street, Blair, NE 68008
    County: Washington
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $290.1 mil
    Equity capital: $25.0 mil
    Deposits held in domestic offices: $223.2 mil
    Return on assets (ROA): 1.14% ($3.3 mil)
    Quarterly return on assets: 0.83% ($2.4 mil)
    Return on Equity (ROE): 13.18% ($3.3 mil)
    Quarterly return on equity: 9.40% ($2.4 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.70% ($4,931.2 mil)
    Quarterly Pretax return on assets: 1.26% ($3,654.9 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
  • 62Total employees (full-time equivalent)
  • $290,071Total assets
  • $18,679Cash and due from depository institutions
  • $9,842Interest-bearing balances
  • $45,110Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $218,291Net loans & leases
  • $2,874Loan loss allowance
  • $0Trading account assets
  • $2,220Bank premises and fixed assets
  • $103Other real estate owned
  • $84Goodwill and other intangibles
  • $290,071Life insurance assets
  • $5,584All other assets
  • $265,054Total liabilities and capital
  • $223,196Total liabilities
  • $191,017Total deposits
  • $223,196Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 32440.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,642Trading liabilities
  • $0Other borrowed funds
  • $1,776Subordinated debt
  • $25,017All other liabilities
  • $25,017Total equity capital
  • $25,017Total bank equity capital
  • $0Perpetual preferred stock
  • $1,938Common stock
  • $3,462Surplus
  • $19,617Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,272Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $161Income earned, not collected on loans
  • $0Earning assets
  • $3,098Long-term assets (5+ years)
  • $273,243Average Assets, year-to-date
  • $35,482Average Assets, quarterly
  • $284,088Volatile liabilities
  • $287,027Insider loans
  • $229,042FHLB advances
  • $285,999Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,519Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $67,210Restructured Loans and leases
  • $445Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,977Total interest income
  • $2,093Total interest expense
  • $9,884Net interest income
  • $546Provision for loan and lease losses
  • $2,782Total noninterest income
  • $0Fiduciary activities
  • $803Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,979Additional noninterest income
  • $7,495Total noninterest expense
  • $3,874Salaries and employee benefits
  • $560Premises and equipment expense
  • $3,061Additional noninterest expense
  • $4,625Pre-tax net operating income
  • $206Securities gains (losses)
  • $1,582Applicable income taxes
  • $3,249Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,249Net income attributable to bank
  • $0Net charge-offs
  • $3,249Cash dividends
  • $154Sale, conversion, retirement of capital stock, net
  • $2,278Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 13.18%Return on equity (ROE)
  • 3.94%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 354.55%Credit loss provision to net charge-offs
  • 33.58%Efficiency ratio
  • 59,174Assets per employee
  • 4.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.11%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 1785.09%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 97.80%Net loans and leases to core deposits
  • 105.15%Equity capital to assets
  • 8.62%Core capital (leverage) ratio
  • 8.57%Tier 1 risk-based capital ratio
  • 10.71%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $284,088Average earning assets
  • $24,656Average equity
  • $267,391Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07781Washington County Bank1523 Washington Street, Blair, NE 68008July 01, 1915Full Service Brick and Mortar
    29122Washington County Bank - Washington303 South 13th Street, Tekamah, NE 68061January 01, 1892Full Service Brick and Mortar

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