First Bank & Trust Company in city_name, state_name - Detailed Financial Reports, Location

First Bank & Trust Company in Cozad, Nebraska (NE), CO
Show street view No street view available for this location

First Bank & Trust Company routing number info

First Bank & Trust Company - Overview

General
FDIC Certificate #: 5394
Status: Active
Federal Reserve ID: 244158
Bank Holding Company (Regulatory Top Holder): Midwest Banco Corporation (RSSDID: 1053320, Location: Cozad, NE)
Date Established: January 01, 1883
WWW: http://www.firstbankandtrustcozad.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: Yes)
OTS Docket #: 15945
FDIC's unique #: 3641
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 27, 2007
Last Structure Change Process Date: August 30, 2007
Last Data Update: August 30, 2007
Data Source Date: April 05, 2012
Location
Address: 747 Meridian, Cozad, NE 69130
County: Dawson
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
Core Based Statistical Area (CBSA): Lexington, NE (#30420)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $221.4 mil
Equity capital: $24.7 mil
Deposits held in domestic offices: $193.2 mil
Return on assets (ROA): 1.52% ($3.4 mil)
Quarterly return on assets: 1.62% ($3.6 mil)
Return on Equity (ROE): 13.94% ($3.5 mil)
Quarterly return on equity: 14.31% ($3.6 mil)
Net income: $3.2 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.56% ($3,453.5 mil)
Quarterly Pretax return on assets: 1.66% ($3,674.9 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
43Total employees (full-time equivalent)
$221,378Total assets
$6,396Cash and due from depository institutions
$0Interest-bearing balances
$78,070Securities
$0Federal funds sold & reverse repurchase agreements
$128,378Net loans & leases
$2,751Loan loss allowance
$0Trading account assets
$619Bank premises and fixed assets
$93Other real estate owned
$1,288Goodwill and other intangibles
$221,378Life insurance assets
$6,534All other assets
$196,679Total liabilities and capital
$193,155Total liabilities
$154,027Total deposits
$193,155Interest-bearing deposits
$91Deposits held in domestic offices
1500.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,344Trading liabilities
$0Other borrowed funds
$680Subordinated debt
$24,699All other liabilities
$24,699Total equity capital
$24,699Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$11,747Surplus
$12,552Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,314Income earned, not collected on loans
$0Earning assets
$2,254Long-term assets (5+ years)
$206,448Average Assets, year-to-date
$75,105Average Assets, quarterly
$213,614Volatile liabilities
$216,983Insider loans
$169,317FHLB advances
$216,582Loans and leases held for sale
$2,687Unused loan commitments
$2,687Tier 1 (core) risk-based capital
$21,929Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$32,534Restructured Loans and leases
$22,886Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,068Total interest income
$1,725Total interest expense
$8,343Net interest income
$785Provision for loan and lease losses
$780Total noninterest income
$20Fiduciary activities
$416Service charges on deposit accounts
$0Trading account gains & fees
$344Additional noninterest income
$5,088Total noninterest expense
$2,750Salaries and employee benefits
$540Premises and equipment expense
$1,798Additional noninterest expense
$3,250Pre-tax net operating income
$72Securities gains (losses)
$73Applicable income taxes
$3,249Income before extraordinary items
$0Extraordinary gains - net
$3,249Net income attributable to bank
$0Net charge-offs
$3,249Cash dividends
$793Sale, conversion, retirement of capital stock, net
$755Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
0.86%Cost of funding earning assets
4.17%Net interest margin
0.39%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
1.49%Net operating income to assets
1.52%Return on assets (ROA)
1.56%Pretax return on assets
13.94%Return on equity (ROE)
10.70%Retained earnings to average equity (YTD only)
0.61%Net charge-offs to loans
98.99%Credit loss provision to net charge-offs
5.09%Efficiency ratio
55,026Assets per employee
5.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.24%Loss allowance to loans
2.10%Loss allowance to noncurrent loans
118.89%Noncurrent assets plus other real estate owned to assets
1.09%Noncurrent loans to loans
1.76%Net loans and leases to deposits
66.46%Net loans and leases to core deposits
69.87%Equity capital to assets
11.16%Core capital (leverage) ratio
10.13%Tier 1 risk-based capital ratio
12.95%Total risk-based capital ratio
Memoranda
$14Average assets
$213,614Average earning assets
$23,306Average equity
$199,898Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$6,752Managed Assets
1Number of Accounts
$6,752Personal trust and agency accounts
$6,752Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
13Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

1 Colorado Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
6	365434	Mountain View Branch	24 South Weber Street Suite 151, Colorado Springs, CO 80903	September 30, 2002	Full Service Brick and Mortar

4 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3641	First Bank & Trust Company	747 Meridian, Cozad, NE 69130	January 01, 1883	Full Service Brick and Mortar
4	207644	Clay Center Branch	116 Alexander Street, Clay Center, NE 68933	October 25, 1996	Full Service Brick and Mortar
7	5493	Farmers State Bank/Branch	100 North Main Street, Eustis, NE 69028	January 01, 1887	Full Service Brick and Mortar
8	5497	First State Bank Branch	348 Broadway, Imperial, NE 69033	January 01, 1917	Full Service Brick and Mortar

First Bank & Trust Company in Cozad, Nebraska (NE), CO
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank & Trust Company in Cozad, Nebraska (NE), COOverview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank & Trust Company in Cozad, Nebraska (NE), CO
Overview, Financial Summary, Detailed Financial Reports, Branches