Washington County Bank in Blair, Nebraska (NE)



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Washington County Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)62
Total assets$290,071
Cash and due from depository institutions$18,679
Interest-bearing balances$9,842
Securities$45,110
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$218,291
Loan loss allowance $2,874
Trading account assets$0
Bank premises and fixed assets$2,220
Other real estate owned$103
Goodwill and other intangibles$84
All other assets$5,584
Life insurance assets$290,071
Total liabilities and capital$265,054
Total liabilities$223,196
Total deposits$191,017
Interest-bearing deposits$223,196
Deposits held in domestic offices$91
% insured (estimated)32440.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,642
Other borrowed funds $0
Subordinated debt $1,776
All other liabilities $25,017
Total equity capital$25,017
Total bank equity capital$25,017
Perpetual preferred stock$0
Common stock$1,938
Surplus$3,462
Undivided profits $19,617
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,272
Income earned, not collected on loans $161
Earning assets $0
Long-term assets (5+ years) $3,098
Average Assets, year-to-date $273,243
Average Assets, quarterly $35,482
Volatile liabilities $284,088
Insider loans $287,027
FHLB advances $229,042
Loans and leases held for sale $285,999
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $24,519
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $67,210
Derivatives$445
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,977
Total interest expense $2,093
Net interest income $9,884
Provision for loan and lease losses $546
Total noninterest income $2,782
Fiduciary activities $0
Service charges on deposit accounts $803
Trading account gains & fees $0
Additional noninterest income $1,979
Total noninterest expense $7,495
Salaries and employee benefits $3,874
Premises and equipment expense $560
Additional noninterest expense $3,061
Pre-tax net operating income $4,625
Securities gains (losses) $206
Applicable income taxes $1,582
Income before extraordinary items $3,249
Extraordinary gains - net $0
Net income attributable to bank $3,249
Net charge-offs $0
Cash dividends $3,249
Sale, conversion, retirement of capital stock, net $154
Net operating income $2,278
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.48%
Cost of funding earning assets 0.78%
Net interest margin 3.70%
Noninterest income to earning assets 1.04%
Noninterest expense to earning assets 2.80%
Net operating income to assets 1.10%
Return on assets (ROA) 1.14%
Pretax return on assets 1.70%
Return on equity (ROE) 13.18%
Retained earnings to average equity (YTD only) 3.94%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 354.55%
Efficiency ratio33.58%
Assets per employee$59,174
Cash dividends to net income (YTD only)4.68%
Condition Ratios (%)
Loss allowance to loans 70.11%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 1785.09%
Noncurrent loans to loans 0.09%
Net loans and leases to deposits0.07%
Net loans and leases to core deposits 97.80%
Equity capital to assets 105.15%
Core capital (leverage) ratio 8.62%
Tier 1 risk-based capital ratio 8.57%
Total risk-based capital ratio 10.71%
Memoranda
Average assets$12
Average earning assets$284,088
Average equity $24,656
Average loans $267,391
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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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