First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Lincoln, Nebraska (NE)
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First State Bank - Overview

General
FDIC Certificate #: 13868
Status: Active
Federal Reserve ID: 499453
Bank Holding Company (Regulatory Top Holder): Wilber Co. (RSSDID: 1056581, Location: Lincoln, NE)
Date Established: December 12, 1912
WWW: http://www.1fsb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 18 (Domestic: 18, Interstate: No)
OTS Docket #: 13872
FDIC's unique #: 8672
Numeric code: 13
Regulator: FED
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: Febuary 10, 1934
Last Structure Change Effective Date: May 01, 2010
Last Structure Change Process Date: May 06, 2010
Last Data Update: May 06, 2010
Data Source Date: April 05, 2012
Location
Address: 4915 Old Cheney Road, Lincoln, NE 68516
County: Lancaster
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Omaha
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Lincoln, NE (#4360)
Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
CBSA Metro Statistical Area: Lincoln, NE (#30700)
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $360.7 mil
Equity capital: $45.9 mil
Deposits held in domestic offices: $282.0 mil
Return on assets (ROA): 0.88% ($3.2 mil)
Quarterly return on assets: 1.39% ($5.0 mil)
Return on Equity (ROE): 7.85% ($3.6 mil)
Quarterly return on equity: 10.89% ($5.0 mil)
Net income: $3.1 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 0.91% ($3,282.6 mil)
Quarterly Pretax return on assets: 1.41% ($5,086.3 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
100Total employees (full-time equivalent)
$360,727Total assets
$22,750Cash and due from depository institutions
$13,411Interest-bearing balances
$48,164Securities
$0Federal funds sold & reverse repurchase agreements
$261,565Net loans & leases
$3,307Loan loss allowance
$0Trading account assets
$7,456Bank premises and fixed assets
$2,001Other real estate owned
$11,675Goodwill and other intangibles
$360,727Life insurance assets
$7,116All other assets
$314,812Total liabilities and capital
$281,955Total liabilities
$237,048Total deposits
$281,955Interest-bearing deposits
$94Deposits held in domestic offices
3000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$27,914Trading liabilities
$0Other borrowed funds
$1,943Subordinated debt
$45,915All other liabilities
$45,915Total equity capital
$45,915Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$38,590Surplus
$7,175Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,151Income earned, not collected on loans
$141Earning assets
$3,265Long-term assets (5+ years)
$323,140Average Assets, year-to-date
$67,078Average Assets, quarterly
$352,583Volatile liabilities
$357,336Insider loans
$261,738FHLB advances
$345,492Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$34,771Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$36,827Restructured Loans and leases
$5,246Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$16,399Total interest income
$3,889Total interest expense
$12,510Net interest income
$1,698Provision for loan and lease losses
$1,643Total noninterest income
$0Fiduciary activities
$769Service charges on deposit accounts
$0Trading account gains & fees
$874Additional noninterest income
$9,343Total noninterest expense
$5,093Salaries and employee benefits
$1,318Premises and equipment expense
$2,932Additional noninterest expense
$3,112Pre-tax net operating income
$103Securities gains (losses)
$112Applicable income taxes
$3,103Income before extraordinary items
$0Extraordinary gains - net
$3,103Net income attributable to bank
$0Net charge-offs
$3,103Cash dividends
$856Sale, conversion, retirement of capital stock, net
$2,750Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.17%Yield on earning assets
1.23%Cost of funding earning assets
3.94%Net interest margin
0.52%Noninterest income to earning assets
2.95%Noninterest expense to earning assets
0.85%Net operating income to assets
0.88%Return on assets (ROA)
0.91%Pretax return on assets
7.85%Return on equity (ROE)
0.89%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
198.36%Credit loss provision to net charge-offs
5.62%Efficiency ratio
65,350Assets per employee
3.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.62%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
53.76%Noncurrent assets plus other real estate owned to assets
2.26%Noncurrent loans to loans
2.32%Net loans and leases to deposits
92.77%Net loans and leases to core deposits
94.74%Equity capital to assets
12.73%Core capital (leverage) ratio
10.06%Tier 1 risk-based capital ratio
13.28%Total risk-based capital ratio
Memoranda
$15Average assets
$352,583Average earning assets
$39,518Average equity
$317,204Average loans

List of branches

18 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8672	First State Bank	4915 Old Cheney Road, Lincoln, NE 68516	December 12, 1912	Full Service Brick and Mortar
1	230552	Hickman Branch	655 Chestnut Street, Hickman, NE 68372	June 23, 1997	Full Service Brick and Mortar
3	419850	Wal-Mart South Branch	8700 Andermatt Dr., Lincoln, NE 68526	March 19, 2003	Full Service Retail
4	12656	Yutan Branch	515 Second Street, Yutan, NE 68073	November 01, 1888	Full Service Brick and Mortar
5	9070	Wilber Bank Branch	203 West Third, Wilber, NE 68465	January 01, 1883	Full Service Brick and Mortar
6	6288	Hallam Branch	300 Main Street, Hallam, NE 68368	January 01, 1898	Full Service Brick and Mortar
7	7566	Dorchester Branch	611 Washington, Dorchester, NE 68343	Febuary 18, 1907	Full Service Brick and Mortar
8	362008	Loan Production Branch - Cortland	221 West 4th Street, Cortland, NE 68331	July 15, 2000	Limited Service Loan Production
9	362009	Loan Production Branch - Lincoln	7101 South 82nd Street, Suite A, Lincoln, NE 68516	December 01, 2000	Limited Service Loan Production
10	422225	Cortland Branch	221 W 4th St, Cortland, NE 68331	September 01, 2002	Full Service Brick and Mortar
12	481409	Firth Branch	108 W 3rd St, Firth, NE 68358	May 01, 2007	Full Service Brick and Mortar
13	11040	Filley Bank Branch	Main Street, Filley, NE 68357	June 01, 1919	Full Service Brick and Mortar
14	5323	De Witt State Bank Branch	Fillmore Street, De Witt, NE 68341	January 01, 1903	Full Service Brick and Mortar
15	10997	Western Branch	Main Street, Western, NE 68464	July 30, 1945	Full Service Brick and Mortar
16	12616	Pickrell Branch	Main Street, Pickrell, NE 68422	June 27, 1942	Full Service Brick and Mortar
17	12655	Prairie Home Branch	5320 North 148th Street, Lincoln, NE 68527	May 01, 1905	Full Service Brick and Mortar
19	246489	Waverly Branch	13900 Guildford Street, Waverly, NE 68462	June 26, 1995	Full Service Brick and Mortar
20	360197	Havelock Branch	6345 Havelock Avenue, Lincoln, NE 68507	May 14, 2001	Full Service Brick and Mortar

First State Bank in Lincoln, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank in Lincoln, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank in Lincoln, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches