FDIC Certificate #: 10652 Status: Active Federal Reserve ID: 84251 Bank Holding Company (Regulatory Top Holder): Chambanco, Inc. (RSSDID: 1056125, Location: Chambers, NE) Date Established: November 16, 1927 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 #: 6831 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: 220 E Nebraska St, Ewing, NE 68735 County: Holt Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.1 mil Equity capital: $4.3 mil Deposits held in domestic offices: $11.7 mil Return on assets (ROA): 0.63% ($0.1 mil) Quarterly return on assets: -0.83% (-$0.1 mil) Return on Equity (ROE): 2.76% ($0.1 mil) Quarterly return on equity: -3.61% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.98% ($177.0 mil) Quarterly Pretax return on assets: -0.98% (-$177.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$18,062Total assets
$3,048Cash and due from depository institutions
$2,146Interest-bearing balances
$705Securities
$1,761Federal funds sold & reverse repurchase agreements
$12,227Net loans & leases
$122Loan loss allowance
$0Trading account assets
$39Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,062Life insurance assets
$282All other assets
$13,758Total liabilities and capital
$11,653Total liabilities
$9,124Total deposits
$11,653Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,068Trading liabilities
$0Other borrowed funds
$37Subordinated debt
$4,304All other liabilities
$4,304Total equity capital
$4,304Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$550Surplus
$3,604Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$91Income earned, not collected on loans
$0Earning assets
$268Long-term assets (5+ years)
$16,839Average Assets, year-to-date
$576Average Assets, quarterly
$18,783Volatile liabilities
$18,828Insider loans
$12,825FHLB advances
$18,657Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,304Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,161Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$689Total interest income
$64Total interest expense
$625Net interest income
$0Provision for loan and lease losses
$72Total noninterest income
$0Fiduciary activities
$30Service charges on deposit accounts
$0Trading account gains & fees
$42Additional noninterest income
$513Total noninterest expense
$343Salaries and employee benefits
$25Premises and equipment expense
$145Additional noninterest expense
$184Pre-tax net operating income
$0Securities gains (losses)
$66Applicable income taxes
$118Income before extraordinary items
$0Extraordinary gains - net
$118Net income attributable to bank
$0Net charge-offs
$118Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.88%Yield on earning assets
0.36%Cost of funding earning assets
3.52%Net interest margin
0.41%Noninterest income to earning assets
2.89%Noninterest expense to earning assets
0.63%Net operating income to assets
0.63%Return on assets (ROA)
0.98%Pretax return on assets
2.76%Return on equity (ROE)
2.76%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
73,601Assets per employee
4.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
134.07%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
0.74%Net loans and leases to deposits
104.93%Net loans and leases to core deposits
107.66%Equity capital to assets
23.83%Core capital (leverage) ratio
23.07%Tier 1 risk-based capital ratio
33.56%Total risk-based capital ratio
Memoranda
$35Average assets
$18,783Average earning assets
$4,270Average equity
$17,738Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6831
Farmers State Bank
220 E Nebraska St, Ewing, NE 68735
November 16, 1927
Full Service Brick and Mortar
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