Adams County Bank in Kenesaw, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Adams County Bank in Kenesaw, Nebraska (NE)
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Adams County Bank routing number info

Adams County Bank - Overview

  • General
  • FDIC Certificate #: 14311
    Status: Active
    Federal Reserve ID: 9553
    Bank Holding Company (Regulatory Top Holder): First Kenesaw Company (RSSDID: 1053870, Location: Kenesaw, NE)
    Date Established: January 01, 1878
    WWW: http://www.adamscountybankonline.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 #: 8938
    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: June 01, 2010
    Last Structure Change Process Date: August 05, 2010
    Last Data Update: August 05, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 N. Smith Avenue, Kenesaw, NE 68956
    County: Adams
    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): Hastings, NE (#25580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $122.5 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $80.5 mil
    Return on assets (ROA): 0.98% ($1.2 mil)
    Quarterly return on assets: 0.64% ($0.8 mil)
    Return on Equity (ROE): 12.09% ($1.2 mil)
    Quarterly return on equity: 8.22% ($0.8 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.31% ($1,604.5 mil)
    Quarterly Pretax return on assets: 0.72% ($881.9 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
  • 15Total employees (full-time equivalent)
  • $122,484Total assets
  • $9,461Cash and due from depository institutions
  • $4,675Interest-bearing balances
  • $30,123Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,884Net loans & leases
  • $791Loan loss allowance
  • $0Trading account assets
  • $1,443Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $122,484Life insurance assets
  • $4,573All other assets
  • $112,969Total liabilities and capital
  • $80,545Total liabilities
  • $64,546Total deposits
  • $80,545Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 11310.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,218Trading liabilities
  • $0Other borrowed funds
  • $1,896Subordinated debt
  • $9,515All other liabilities
  • $9,515Total equity capital
  • $9,515Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,200Surplus
  • $7,915Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $496Income earned, not collected on loans
  • $0Earning assets
  • $1,837Long-term assets (5+ years)
  • $111,682Average Assets, year-to-date
  • $37,263Average Assets, quarterly
  • $109,592Volatile liabilities
  • $120,350Insider loans
  • $89,564FHLB advances
  • $117,921Loans and leases held for sale
  • $912Unused loan commitments
  • $912Tier 1 (core) risk-based capital
  • $9,339Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,739Restructured Loans and leases
  • $1,560Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,318Total interest income
  • $900Total interest expense
  • $3,418Net interest income
  • $0Provision for loan and lease losses
  • $224Total noninterest income
  • $0Fiduciary activities
  • $98Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $2,209Total noninterest expense
  • $1,333Salaries and employee benefits
  • $274Premises and equipment expense
  • $602Additional noninterest expense
  • $1,433Pre-tax net operating income
  • $0Securities gains (losses)
  • $360Applicable income taxes
  • $1,073Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,073Net income attributable to bank
  • $0Net charge-offs
  • $1,073Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 12.09%Return on equity (ROE)
  • 12.09%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 44.78%Efficiency ratio
  • 60,653Assets per employee
  • 8.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 159.48%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 95.45%Net loans and leases to core deposits
  • 99.68%Equity capital to assets
  • 7.77%Core capital (leverage) ratio
  • 7.92%Tier 1 risk-based capital ratio
  • 10.43%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $109,592Average earning assets
  • $8,873Average equity
  • $101,244Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08938Adams County Bank401 N. Smith Avenue, Kenesaw, NE 68956January 01, 1878Full Service Brick and Mortar
    1231282Juniata Branch1307 North Brass Avenue, Juniata, NE 68955June 24, 1996Full Service Brick and Mortar

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