York State Bank in York, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

York State Bank - Overview

  • General
  • FDIC Certificate #: 16079
    Status: Active
    Federal Reserve ID: 731050
    Bank Holding Company (Regulatory Top Holder): Lauritzen Corporation (RSSDID: 1066209, Location: Omaha, NE)
    Date Established: July 01, 1943
    WWW: http://www.yorkstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 10300
    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: July 15, 1943
    Last Structure Change Effective Date: June 02, 2011
    Last Structure Change Process Date: June 02, 2011
    Last Data Update: June 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 700 Lincoln Avenue, York, NE 68467
    County: York
    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
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $133.7 mil
    Equity capital: $15.7 mil
    Deposits held in domestic offices: $113.7 mil
    Return on assets (ROA): 0.92% ($1.2 mil)
    Quarterly return on assets: 0.93% ($1.2 mil)
    Return on Equity (ROE): 7.53% ($1.2 mil)
    Quarterly return on equity: 7.70% ($1.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.39% ($1,858.2 mil)
    Quarterly Pretax return on assets: 1.42% ($1,898.3 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
  • 32Total employees (full-time equivalent)
  • $133,686Total assets
  • $7,496Cash and due from depository institutions
  • $3,970Interest-bearing balances
  • $17,935Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $98,732Net loans & leases
  • $1,212Loan loss allowance
  • $0Trading account assets
  • $2,014Bank premises and fixed assets
  • $0Other real estate owned
  • $5,098Goodwill and other intangibles
  • $133,686Life insurance assets
  • $2,411All other assets
  • $117,971Total liabilities and capital
  • $113,716Total liabilities
  • $96,362Total deposits
  • $113,716Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 3146.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $609Subordinated debt
  • $15,715All other liabilities
  • $15,715Total equity capital
  • $15,715Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $14,000Surplus
  • $1,465Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $292Income earned, not collected on loans
  • $0Earning assets
  • $1,646Long-term assets (5+ years)
  • $120,637Average Assets, year-to-date
  • $19,442Average Assets, quarterly
  • $128,545Volatile liabilities
  • $130,930Insider loans
  • $102,182FHLB advances
  • $124,534Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,452Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,604Restructured Loans and leases
  • $74Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,371Total interest income
  • $859Total interest expense
  • $4,512Net interest income
  • $50Provision for loan and lease losses
  • $944Total noninterest income
  • $22Fiduciary activities
  • $576Service charges on deposit accounts
  • $0Trading account gains & fees
  • $346Additional noninterest income
  • $3,614Total noninterest expense
  • $2,272Salaries and employee benefits
  • $372Premises and equipment expense
  • $970Additional noninterest expense
  • $1,792Pre-tax net operating income
  • $0Securities gains (losses)
  • $609Applicable income taxes
  • $1,183Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,183Net income attributable to bank
  • $0Net charge-offs
  • $1,183Cash dividends
  • $15Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 7.53%Return on equity (ROE)
  • 1.17%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 333.33%Credit loss provision to net charge-offs
  • 122.80%Efficiency ratio
  • 66,239Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.53%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 415.07%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 86.82%Net loans and leases to core deposits
  • 88.63%Equity capital to assets
  • 11.76%Core capital (leverage) ratio
  • 8.39%Tier 1 risk-based capital ratio
  • 10.23%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $128,545Average earning assets
  • $15,704Average equity
  • $113,716Average loans

Total Fiduciary and Related Assets (December 31, 2009)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $20,674Managed Assets
  • 1Number of Accounts
  • $20,673Personal trust and agency accounts
  • $17,083Employee benefit-defined contribution accounts
  • $2,684Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $848Investment management agency accounts
  • $0Other fiduciary accounts
  • $58Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 61Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010300York State Bank700 Lincoln Avenue, York, NE 68467July 01, 1943Full Service Brick and Mortar
    1237219Detached Tellers' Branch729 Lincoln Avenue, York, NE 68467May 15, 1972Limited Service Facility
    2237220Detached Tellers' Facility710 South Lincoln Avenue, York, NE 68467November 08, 1974Limited Service Facility
    313379G Street Branch1022 G Street, Geneva, NE 68361January 03, 1966Full Service Brick and Mortar
    412662Gresham BranchMain Street, Gresham, NE 68367September 19, 1910Full Service Brick and Mortar

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