FDIC Certificate #: 1986 Status: Active Federal Reserve ID: 924553 Bank Holding Company (Regulatory Top Holder): Commercial State Holding Company, Inc. (RSSDID: 1065828, Location: Republican City, NE) Date Established: January 01, 1903 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 #: 1337 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: 20 Circle Drive, Republican City, NE 68971 County: Harlan 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: $61.5 mil Equity capital: $13.5 mil Deposits held in domestic offices: $46.7 mil Return on assets (ROA): 1.83% ($1.1 mil) Quarterly return on assets: 1.41% ($0.9 mil) Return on Equity (ROE): 9.55% ($1.2 mil) Quarterly return on equity: 6.54% ($0.9 mil) Net income: $1.2 mil Quarterly Net income: $0.2 mil Pretax return on assets: 2.42% ($1,487.1 mil) Quarterly Pretax return on assets: 1.78% ($1,093.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$61,451Total assets
$1,157Cash and due from depository institutions
$99Interest-bearing balances
$34,564Securities
$12,242Federal funds sold & reverse repurchase agreements
$12,269Net loans & leases
$232Loan loss allowance
$0Trading account assets
$3Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$61,451Life insurance assets
$1,216All other assets
$47,986Total liabilities and capital
$46,667Total liabilities
$43,378Total deposits
$46,667Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$500Trading liabilities
$0Other borrowed funds
$819Subordinated debt
$13,465All other liabilities
$13,465Total equity capital
$13,465Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$2,700Surplus
$10,715Undivided 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
$508Long-term assets (5+ years)
$59,174Average Assets, year-to-date
$33,490Average Assets, quarterly
$64,694Volatile liabilities
$61,937Insider loans
$24,666FHLB advances
$62,499Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,773Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,111Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,960Total interest income
$667Total interest expense
$2,293Net interest income
$0Provision for loan and lease losses
$60Total noninterest income
$0Fiduciary activities
$45Service charges on deposit accounts
$0Trading account gains & fees
$15Additional noninterest income
$801Total noninterest expense
$516Salaries and employee benefits
$66Premises and equipment expense
$219Additional noninterest expense
$1,552Pre-tax net operating income
$15Securities gains (losses)
$382Applicable income taxes
$1,185Income before extraordinary items
$0Extraordinary gains - net
$1,185Net income attributable to bank
$0Net charge-offs
$1,185Cash dividends
-$17Sale, conversion, retirement of capital stock, net
$190Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
1.08%Cost of funding earning assets
3.72%Net interest margin
0.10%Noninterest income to earning assets
1.30%Noninterest expense to earning assets
1.81%Net operating income to assets
1.83%Return on assets (ROA)
2.42%Pretax return on assets
9.55%Return on equity (ROE)
8.02%Retained earnings to average equity (YTD only)
-0.13%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
34,042Assets per employee
7.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.03%Loss allowance to loans
1.86%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
26.29%Net loans and leases to core deposits
27.94%Equity capital to assets
21.91%Core capital (leverage) ratio
20.44%Tier 1 risk-based capital ratio
51.78%Total risk-based capital ratio
Memoranda
$53Average assets
$64,694Average earning assets
$12,409Average equity
$61,696Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1337
Commercial State Bank
20 Circle Drive, Republican City, NE 68971
January 01, 1903
Full Service Brick and Mortar
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