Adams Bank & Trust in city_name, state_name - Detailed Financial Reports, Location

Adams Bank & Trust in Ogallala, Nebraska (NE), CO
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Adams Bank & Trust routing number info

Adams Bank & Trust - Overview

General
FDIC Certificate #: 18489
Status: Active
Federal Reserve ID: 463650
Bank Holding Company (Regulatory Top Holder): Adbanc, Inc. (RSSDID: 1055623, Location: Ogallala, NE)
Date Established: Febuary 26, 1962
WWW: http://www.abtbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 15 (Domestic: 15, Interstate: Yes)
OTS Docket #: 12279
FDIC's unique #: 12384
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: Febuary 26, 1962
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: 315 North Spruce Street, Ogallala, NE 69153
County: Keith
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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $550.2 mil
Equity capital: $68.6 mil
Deposits held in domestic offices: $450.5 mil
Return on assets (ROA): 0.82% ($4.5 mil)
Quarterly return on assets: 0.79% ($4.3 mil)
Return on Equity (ROE): 6.93% ($4.8 mil)
Quarterly return on equity: 6.16% ($4.3 mil)
Net income: $4.3 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.20% ($6,602.1 mil)
Quarterly Pretax return on assets: 1.04% ($5,721.8 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
142Total employees (full-time equivalent)
$550,175Total assets
$53,051Cash and due from depository institutions
$40,085Interest-bearing balances
$18,835Securities
$0Federal funds sold & reverse repurchase agreements
$441,097Net loans & leases
$7,825Loan loss allowance
$0Trading account assets
$14,985Bank premises and fixed assets
$7,096Other real estate owned
$0Goodwill and other intangibles
$550,176Life insurance assets
$15,111All other assets
$481,550Total liabilities and capital
$450,497Total liabilities
$337,247Total deposits
$450,497Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$30,000Trading liabilities
$0Other borrowed funds
$1,053Subordinated debt
$68,626All other liabilities
$68,626Total equity capital
$68,626Total bank equity capital
$0Perpetual preferred stock
$3,000Common stock
$37,000Surplus
$28,626Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$12,919Income earned, not collected on loans
$0Earning assets
$4,213Long-term assets (5+ years)
$500,017Average Assets, year-to-date
$42,562Average Assets, quarterly
$521,583Volatile liabilities
$531,198Insider loans
$452,570FHLB advances
$527,254Loans and leases held for sale
$1,062Unused loan commitments
$1,062Tier 1 (core) risk-based capital
$67,926Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$75,537Restructured Loans and leases
$7,649Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$27,621Total interest income
$4,585Total interest expense
$23,036Net interest income
$3,270Provision for loan and lease losses
$4,545Total noninterest income
$378Fiduciary activities
$1,896Service charges on deposit accounts
$0Trading account gains & fees
$2,271Additional noninterest income
$18,067Total noninterest expense
$9,415Salaries and employee benefits
$2,259Premises and equipment expense
$6,393Additional noninterest expense
$6,244Pre-tax net operating income
$0Securities gains (losses)
$1,949Applicable income taxes
$4,295Income before extraordinary items
$0Extraordinary gains - net
$4,295Net income attributable to bank
$0Net charge-offs
$4,295Cash dividends
$3,012Sale, conversion, retirement of capital stock, net
$2,429Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.83%Yield on earning assets
0.97%Cost of funding earning assets
4.87%Net interest margin
0.96%Noninterest income to earning assets
3.82%Noninterest expense to earning assets
0.82%Net operating income to assets
0.82%Return on assets (ROA)
1.20%Pretax return on assets
6.93%Return on equity (ROE)
3.01%Retained earnings to average equity (YTD only)
0.68%Net charge-offs to loans
108.57%Credit loss provision to net charge-offs
3.16%Efficiency ratio
65,505Assets per employee
3.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.55%Loss allowance to loans
1.74%Loss allowance to noncurrent loans
60.57%Noncurrent assets plus other real estate owned to assets
3.64%Noncurrent loans to loans
2.88%Net loans and leases to deposits
97.91%Net loans and leases to core deposits
105.00%Equity capital to assets
12.47%Core capital (leverage) ratio
12.88%Tier 1 risk-based capital ratio
15.01%Total risk-based capital ratio
Memoranda
$16Average assets
$521,583Average earning assets
$61,942Average equity
$473,405Average 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
$42,281Managed Assets
1Number of Accounts
$41,332Personal trust and agency accounts
$38,392Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$1,873Investment management agency accounts
$807Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$260Non-managed Assets
128Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$8Employee benefit-defined benefit accounts
$949Other retirement accounts
$949Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

5 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
16	359499	Berthoud Branch	1201 Lake Avenue, Berthoud, CO 80513	December 16, 2000	Full Service Brick and Mortar
17	61954	Garden Of The Gods Branch	1310 Garden Of The Gods Road, Colorado Springs, CO 80907	November 02, 1998	Full Service Brick and Mortar
19	430438	Cheyenne Mountain Branch	265 East Cheyenne Mountain Boulevard, Colorado Springs, CO 80906	August 04, 2003	Full Service Brick and Mortar
20	436691	Firestone Branch	8308 Colorado Blvd, Firestone, CO 80520	January 03, 2005	Full Service Brick and Mortar
21	455970	7800 South College Avenue Branch	7800 South College Avenue, Fort Collins, CO 80525	October 27, 2006	Full Service Brick and Mortar

10 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	12384	Adams Bank & Trust	315 North Spruce Street, Ogallala, NE 69153	Febuary 26, 1962	Full Service Brick and Mortar
2	9141	Brule Branch	202 State Street, Brule, NE 69127	July 06, 1916	Full Service Brick and Mortar
3	3666	Imperial Branch	545 Broadway, Imperial, NE 69033	May 10, 1910	Full Service Brick and Mortar
4	13742	Madrid Branch	108 South Perkins Avenue, Madrid, NE 69150	April 15, 1943	Full Service Brick and Mortar
5	13112	Sutherland Branch	131 Walnut Street, Sutherland, NE 69165	April 10, 1945	Full Service Brick and Mortar
6	245476	North Platte Branch	121 South Jeffers Street, North Platte, NE 69101	March 13, 1996	Full Service Brick and Mortar
7	245477	Chappell Branch	641 2nd Street, Chappell, NE 69129	October 01, 1996	Full Service Brick and Mortar
8	9165	Lodgepole Branch	123 Main Street, Lodgepole, NE 69149	January 01, 1913	Full Service Brick and Mortar
9	245478	Grant Branch	150 Central Avenue, Grant, NE 69140	June 24, 1996	Full Service Brick and Mortar
10	12321	Indianola Branch	205 North 4th Street, Indianola, NE 69034	January 30, 1961	Full Service Brick and Mortar

Adams Bank & Trust in Ogallala, Nebraska (NE), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

Adams Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Adams Bank & Trust in Ogallala, Nebraska (NE), COOverview, Financial Summary, Detailed Financial Reports, Branches

Adams Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Adams Bank & Trust in Ogallala, Nebraska (NE), CO
Overview, Financial Summary, Detailed Financial Reports, Branches