FDIC Certificate #: 1436 Status: Active Federal Reserve ID: 336950 Date Established: December 02, 1908 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 954 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: 295 Center Ave., Ashton, NE 68817 County: Sherman 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: $18.4 mil Equity capital: $1.8 mil Deposits held in domestic offices: $16.0 mil Return on assets (ROA): 0.84% ($0.2 mil) Quarterly return on assets: 1.26% ($0.2 mil) Return on Equity (ROE): 9.07% ($0.2 mil) Quarterly return on equity: 13.57% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.15% ($211.7 mil) Quarterly Pretax return on assets: 1.47% ($270.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$18,410Total assets
$7,265Cash and due from depository institutions
$6,517Interest-bearing balances
$900Securities
$0Federal funds sold & reverse repurchase agreements
$9,608Net loans & leases
$120Loan loss allowance
$0Trading account assets
$150Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,410Life insurance assets
$487All other assets
$16,641Total liabilities and capital
$16,044Total liabilities
$13,582Total deposits
$16,044Interest-bearing deposits
$95Deposits held in domestic offices
500.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$97Subordinated debt
$1,769All other liabilities
$1,769Total equity capital
$1,769Total bank equity capital
$0Perpetual preferred stock
$25Common stock
$575Surplus
$1,169Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$304Income earned, not collected on loans
$248Earning assets
$411Long-term assets (5+ years)
$17,025Average Assets, year-to-date
$4,879Average Assets, quarterly
$18,253Volatile liabilities
$18,778Insider loans
$11,782FHLB advances
$18,882Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,769Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,541Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$806Total interest income
$215Total interest expense
$591Net interest income
$8Provision for loan and lease losses
$76Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$449Total noninterest expense
$295Salaries and employee benefits
$48Premises and equipment expense
$106Additional noninterest expense
$210Pre-tax net operating income
$0Securities gains (losses)
$57Applicable income taxes
$153Income before extraordinary items
$0Extraordinary gains - net
$153Net income attributable to bank
$0Net charge-offs
$153Cash dividends
$48Sale, conversion, retirement of capital stock, net
$12Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.84%Yield on earning assets
1.29%Cost of funding earning assets
3.55%Net interest margin
0.46%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
0.84%Net operating income to assets
0.84%Return on assets (ROA)
1.15%Pretax return on assets
9.07%Return on equity (ROE)
8.36%Retained earnings to average equity (YTD only)
0.51%Net charge-offs to loans
16.67%Credit loss provision to net charge-offs
4.54%Efficiency ratio
67,316Assets per employee
4.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
7.84%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
39.47%Noncurrent assets plus other real estate owned to assets
1.65%Noncurrent loans to loans
3.13%Net loans and leases to deposits
59.89%Net loans and leases to core deposits
63.87%Equity capital to assets
9.61%Core capital (leverage) ratio
9.37%Tier 1 risk-based capital ratio
15.01%Total risk-based capital ratio
Memoranda
$16Average assets
$18,253Average earning assets
$1,686Average equity
$16,655Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
954
Ashton State Bank
295 Center Ave., Ashton, NE 68817
December 02, 1908
Full Service Brick and Mortar
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