FDIC Certificate #: 16188 Status: Active Federal Reserve ID: 415855 Date Established: July 24, 1935 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 #: 10392 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: September 08, 1944 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: 127 W Main St, Cedar Bluffs, NE 68015 County: Saunders Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Omaha Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420) Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540) CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $24.3 mil Equity capital: $1.5 mil Deposits held in domestic offices: $21.0 mil Return on assets (ROA): 0.40% ($0.1 mil) Quarterly return on assets: 1.09% ($0.3 mil) Return on Equity (ROE): 5.47% ($0.1 mil) Quarterly return on equity: 15.29% ($0.3 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.46% ($111.8 mil) Quarterly Pretax return on assets: 1.01% ($245.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$24,296Total assets
$5,016Cash and due from depository institutions
$4,101Interest-bearing balances
$4,826Securities
$3,825Federal funds sold & reverse repurchase agreements
$10,212Net loans & leases
$78Loan loss allowance
$0Trading account assets
$48Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$24,296Life insurance assets
$369All other assets
$22,752Total liabilities and capital
$21,032Total liabilities
$11,242Total deposits
$21,032Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,596Trading liabilities
$0Other borrowed funds
$124Subordinated debt
$1,544All other liabilities
$1,544Total equity capital
$1,544Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,200Surplus
$244Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$119Income earned, not collected on loans
$0Earning assets
$224Long-term assets (5+ years)
$22,964Average Assets, year-to-date
$2,950Average Assets, quarterly
$20,008Volatile liabilities
$21,307Insider loans
$13,430FHLB advances
$20,780Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,494Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,765Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$592Total interest income
$138Total interest expense
$454Net interest income
$15Provision for loan and lease losses
$127Total noninterest income
$0Fiduciary activities
$61Service charges on deposit accounts
$0Trading account gains & fees
$66Additional noninterest income
$474Total noninterest expense
$312Salaries and employee benefits
$33Premises and equipment expense
$129Additional noninterest expense
$92Pre-tax net operating income
$0Securities gains (losses)
$12Applicable income taxes
$80Income before extraordinary items
$0Extraordinary gains - net
$80Net income attributable to bank
$0Net charge-offs
$80Cash dividends
$7Sale, conversion, retirement of capital stock, net
$3Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.13%Yield on earning assets
0.73%Cost of funding earning assets
2.40%Net interest margin
0.67%Noninterest income to earning assets
2.51%Noninterest expense to earning assets
0.40%Net operating income to assets
0.40%Return on assets (ROA)
0.46%Pretax return on assets
5.47%Return on equity (ROE)
5.27%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
214.29%Credit loss provision to net charge-offs
15.29%Efficiency ratio
81,583Assets per employee
6.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
3.75%Loss allowance to loans
0.76%Loss allowance to noncurrent loans
65.55%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
1.16%Net loans and leases to deposits
48.55%Net loans and leases to core deposits
49.33%Equity capital to assets
6.35%Core capital (leverage) ratio
7.19%Tier 1 risk-based capital ratio
11.12%Total risk-based capital ratio
Memoranda
$12Average assets
$20,008Average earning assets
$1,461Average equity
$18,907Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10392
Commercial State Bank
127 W Main St, Cedar Bluffs, NE 68015
July 24, 1935
Full Service Brick and Mortar
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