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

This bank is inactive as of April 29, 2000

First National Bank & Trust Company in Aurora in Aurora, Nebraska (NE)
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First National Bank & Trust Company in Aurora - Overview

General
FDIC Certificate #: 13943
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Heritage Bank (#17145)
Federal Reserve ID: 400954
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
OTS Docket #: 9602
FDIC's unique #: 8720
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: Febuary 21, 1934
Last Structure Change Effective Date: April 29, 2000
Last Structure Change Process Date: May 23, 2000
Last Data Update: May 23, 2000
Data Source Date: April 05, 2012
Location
Address: 1101 Twelfth Street, Aurora, NE 68818
County: Hamilton
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
Financial Summary
Total assets: $95.3 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
40Total employees (full-time equivalent)
$96,294Total assets
$5,607Cash and due from depository institutions
$3,780Interest-bearing balances
$32,109Securities
$1,100Federal funds sold & reverse repurchase agreements
$55,362Net loans & leases
$1,222Loan loss allowance
$0Trading account assets
$701Bank premises and fixed assets
$0Other real estate owned
$10Goodwill and other intangibles
$0Life insurance assets
$1,405All other assets
$96,294Total liabilities and capital
$87,814Total liabilities
$82,548Total deposits
$76,069Interest-bearing deposits
$82,548Deposits held in domestic offices
0.00%% insured (estimated)
$757Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,000Other borrowed funds
$0Subordinated debt
$509All other liabilities
$8,480Total equity capital
$8,480Total bank equity capital
$8,480Perpetual preferred stock
$0Common stock
$400Surplus
$2,600Undivided profits
Memoranda
$5,480Noncurrent loans and leases
$37Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,588Earning assets
$0Long-term assets (5+ years)
$1,164Average Assets, year-to-date
$92,351Average Assets, quarterly
$18,027Volatile liabilities
$97,974Insider loans
$98,016FHLB advances
$7,770Loans and leases held for sale
$153Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$37Total unused commitments
$0Restructured Loans and leases
$812Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$7,163Total interest income
$3,520Total interest expense
$3,643Net interest income
$120Provision for loan and lease losses
$630Total noninterest income
$0Fiduciary activities
$339Service charges on deposit accounts
$0Trading account gains & fees
$291Additional noninterest income
$1,926Total noninterest expense
$1,207Salaries and employee benefits
$251Premises and equipment expense
$468Additional noninterest expense
$2,227Pre-tax net operating income
-$2Securities gains (losses)
$36Applicable income taxes
$2,189Income before extraordinary items
$0Extraordinary gains - net
$2,189Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$2,095Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.64%Yield on earning assets
3.76%Cost of funding earning assets
3.89%Net interest margin
0.67%Noninterest income to earning assets
2.05%Noninterest expense to earning assets
2.24%Net operating income to assets
2.23%Return on assets (ROA)
2.27%Pretax return on assets
24.83%Return on equity (ROE)
1.07%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-12000.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
44,980Assets per employee
2.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.71%Loss allowance to loans
2.16%Loss allowance to noncurrent loans
76.95%Noncurrent assets plus other real estate owned to assets
1.65%Noncurrent loans to loans
2.81%Net loans and leases to deposits
67.07%Net loans and leases to core deposits
73.29%Equity capital to assets
8.81%Core capital (leverage) ratio
9.26%Tier 1 risk-based capital ratio
14.07%Total risk-based capital ratio
Memoranda
$15Average assets
$97,974Average earning assets
$8,817Average equity
$93,726Average loans

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