FDIC Certificate #: 17356 Status: Active Federal Reserve ID: 476454 Bank Holding Company (Regulatory Top Holder): Carroll Bancorp., The (RSSDID: 1066375, Location: Carroll, NE) Date Established: January 23, 1945 WWW:http://www.fsbcarroll.com 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 #: 11365 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 10, 1954 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: 501 Main St., Carroll, NE 68723 County: Wayne 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: $23.1 mil Equity capital: $1.8 mil Deposits held in domestic offices: $21.2 mil Return on assets (ROA): 0.75% ($0.2 mil) Quarterly return on assets: 1.01% ($0.2 mil) Return on Equity (ROE): 9.97% ($0.2 mil) Quarterly return on equity: 12.85% ($0.3 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.96% ($222.0 mil) Quarterly Pretax return on assets: 1.15% ($265.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$23,122Total assets
$1,499Cash and due from depository institutions
$888Interest-bearing balances
$8,851Securities
$0Federal funds sold & reverse repurchase agreements
$12,368Net loans & leases
$240Loan loss allowance
$0Trading account assets
$37Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$23,122Life insurance assets
$367All other assets
$21,288Total liabilities and capital
$21,241Total liabilities
$20,080Total deposits
$21,241Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$47Subordinated debt
$1,834All other liabilities
$1,834Total equity capital
$1,834Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$1,684Surplus
$100Undivided 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
$232Long-term assets (5+ years)
$22,107Average Assets, year-to-date
$6,253Average Assets, quarterly
$23,178Volatile liabilities
$22,911Insider loans
$14,312FHLB advances
$23,404Loans and leases held for sale
$16Unused loan commitments
$16Tier 1 (core) risk-based capital
$1,834Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,081Restructured Loans and leases
$84Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$998Total interest income
$260Total interest expense
$738Net interest income
$8Provision for loan and lease losses
$69Total noninterest income
$0Fiduciary activities
$12Service charges on deposit accounts
$0Trading account gains & fees
$57Additional noninterest income
$576Total noninterest expense
$362Salaries and employee benefits
$36Premises and equipment expense
$178Additional noninterest expense
$223Pre-tax net operating income
$0Securities gains (losses)
$49Applicable income taxes
$174Income before extraordinary items
$0Extraordinary gains - net
$174Net income attributable to bank
$0Net charge-offs
$174Cash dividends
$1Sale, conversion, retirement of capital stock, net
$40Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
1.17%Cost of funding earning assets
3.33%Net interest margin
0.31%Noninterest income to earning assets
2.60%Noninterest expense to earning assets
0.75%Net operating income to assets
0.75%Return on assets (ROA)
0.96%Pretax return on assets
9.97%Return on equity (ROE)
7.68%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
800.00%Credit loss provision to net charge-offs
231.00%Efficiency ratio
71,375Assets per employee
5.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.99%Loss allowance to loans
1.90%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
58.23%Net loans and leases to core deposits
62.07%Equity capital to assets
7.93%Core capital (leverage) ratio
7.84%Tier 1 risk-based capital ratio
12.81%Total risk-based capital ratio
Memoranda
$14Average assets
$23,178Average earning assets
$1,745Average equity
$22,173Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11365
Farmers State Bank
501 Main St., Carroll, NE 68723
January 23, 1945
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 Farmers State 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: