FDIC Certificate #: 22350 Status: Active Federal Reserve ID: 233451 Bank Holding Company (Regulatory Top Holder): Byron State, Inc. (RSSDID: 2249410, Location: Byron, NE) Date Established: October 20, 1976 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 #: 15558 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: October 20, 1976 Last Structure Change Effective Date: May 16, 2008 Last Structure Change Process Date: May 16, 2008 Last Data Update: May 16, 2008 Data Source Date: April 05, 2012
Location
Address: 115 Kansas, Byron, NE 68325 County: Thayer 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
Change in Location
Financial Summary
Total assets: $39.1 mil Equity capital: $4.6 mil Deposits held in domestic offices: $34.2 mil Return on assets (ROA): 1.05% ($0.4 mil) Quarterly return on assets: 0.11% ($0.0 mil) Return on Equity (ROE): 8.81% ($0.4 mil) Quarterly return on equity: 0.95% ($0.0 mil) Net income: $0.4 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.69% ($660.9 mil) Quarterly Pretax return on assets: 0.67% ($262.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$39,108Total assets
$9,427Cash and due from depository institutions
$7,606Interest-bearing balances
$849Securities
$682Federal funds sold & reverse repurchase agreements
$27,437Net loans & leases
$216Loan loss allowance
$0Trading account assets
$42Bank premises and fixed assets
$41Other real estate owned
$0Goodwill and other intangibles
$39,108Life insurance assets
$630All other assets
$34,477Total liabilities and capital
$34,190Total liabilities
$31,001Total deposits
$34,190Interest-bearing deposits
$97Deposits held in domestic offices
162.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$125Subordinated debt
$4,631All other liabilities
$4,631Total equity capital
$4,631Total bank equity capital
$0Perpetual preferred stock
$140Common stock
$660Surplus
$3,831Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$437Income earned, not collected on loans
$0Earning assets
$424Long-term assets (5+ years)
$36,574Average Assets, year-to-date
$393Average Assets, quarterly
$37,652Volatile liabilities
$38,826Insider loans
$29,396FHLB advances
$38,779Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,627Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,095Restructured Loans and leases
$276Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,799Total interest income
$435Total interest expense
$1,364Net interest income
$130Provision for loan and lease losses
$91Total noninterest income
$0Fiduciary activities
$81Service charges on deposit accounts
$0Trading account gains & fees
$10Additional noninterest income
$689Total noninterest expense
$487Salaries and employee benefits
$60Premises and equipment expense
$142Additional noninterest expense
$636Pre-tax net operating income
$0Securities gains (losses)
$242Applicable income taxes
$394Income before extraordinary items
$0Extraordinary gains - net
$394Net income attributable to bank
$0Net charge-offs
$394Cash dividends
$100Sale, conversion, retirement of capital stock, net
$70Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
1.21%Cost of funding earning assets
3.79%Net interest margin
0.25%Noninterest income to earning assets
1.92%Noninterest expense to earning assets
1.05%Net operating income to assets
1.05%Return on assets (ROA)
1.69%Pretax return on assets
8.81%Return on equity (ROE)
7.25%Retained earnings to average equity (YTD only)
0.37%Net charge-offs to loans
130.00%Credit loss provision to net charge-offs
7.66%Efficiency ratio
47,354Assets per employee
5.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
17.77%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
49.43%Noncurrent assets plus other real estate owned to assets
1.22%Noncurrent loans to loans
1.58%Net loans and leases to deposits
80.25%Net loans and leases to core deposits
84.60%Equity capital to assets
11.84%Core capital (leverage) ratio
11.93%Tier 1 risk-based capital ratio
15.74%Total risk-based capital ratio
Memoranda
$16Average assets
$37,652Average earning assets
$4,472Average equity
$35,963Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15558
Byron State Bank
115 Kansas, Byron, NE 68325
October 20, 1976
Full Service Brick and Mortar
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