FDIC Certificate #: 12246 Status: Active Federal Reserve ID: 42457 Bank Holding Company (Regulatory Top Holder): C L C Enterprises, Inc. (RSSDID: 1053142, Location: Nelson, NE) Date Established: April 01, 1894 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 #: 7785 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: Fourth And Main (S.W. Corner), Nelson, NE 68961 County: Nuckolls 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: $29.2 mil Equity capital: $5.1 mil Deposits held in domestic offices: $23.8 mil Return on assets (ROA): 0.89% ($0.3 mil) Quarterly return on assets: 0.84% ($0.2 mil) Return on Equity (ROE): 4.73% ($0.2 mil) Quarterly return on equity: 4.56% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.29% ($376.5 mil) Quarterly Pretax return on assets: 1.30% ($379.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$29,189Total assets
$5,337Cash and due from depository institutions
$1,341Interest-bearing balances
$8,270Securities
$1,144Federal funds sold & reverse repurchase agreements
$13,816Net loans & leases
$322Loan loss allowance
$0Trading account assets
$0Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,189Life insurance assets
$622All other assets
$24,040Total liabilities and capital
$23,789Total liabilities
$18,968Total deposits
$23,789Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$251Subordinated debt
$5,149All other liabilities
$5,149Total equity capital
$5,149Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$600Surplus
$4,049Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$352Long-term assets (5+ years)
$24,571Average Assets, year-to-date
$4,002Average Assets, quarterly
$28,045Volatile liabilities
$28,638Insider loans
$18,366FHLB advances
$29,288Loans and leases held for sale
$78Unused loan commitments
$78Tier 1 (core) risk-based capital
$5,149Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,332Restructured Loans and leases
$133Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,183Total interest income
$106Total interest expense
$1,077Net interest income
$15Provision for loan and lease losses
$56Total noninterest income
$0Fiduciary activities
$35Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$755Total noninterest expense
$548Salaries and employee benefits
$16Premises and equipment expense
$191Additional noninterest expense
$363Pre-tax net operating income
$0Securities gains (losses)
$114Applicable income taxes
$249Income before extraordinary items
$0Extraordinary gains - net
$249Net income attributable to bank
$0Net charge-offs
$249Cash dividends
-$12Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.93%Yield on earning assets
0.44%Cost of funding earning assets
4.49%Net interest margin
0.23%Noninterest income to earning assets
3.15%Noninterest expense to earning assets
0.89%Net operating income to assets
0.89%Return on assets (ROA)
1.29%Pretax return on assets
4.73%Return on equity (ROE)
-0.97%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
-125.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,637Assets per employee
3.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
120.48%Loss allowance to loans
2.28%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
58.08%Net loans and leases to core deposits
58.95%Equity capital to assets
17.64%Core capital (leverage) ratio
17.58%Tier 1 risk-based capital ratio
28.04%Total risk-based capital ratio
Memoranda
$29Average assets
$28,045Average earning assets
$5,260Average equity
$23,975Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7785
Commercial Bank
Fourth And Main (S.W. Corner), Nelson, NE 68961
April 01, 1894
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Commercial Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: