FDIC Certificate #: 15364 Status: Active Federal Reserve ID: 861854 Bank Holding Company (Regulatory Top Holder): First State Bancorp, Inc. (RSSDID: 2812832, Location: Randolph, NE) Date Established: July 01, 1935 WWW:http://www.fsbrandolph.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) OTS Docket #: 52489 FDIC's unique #: 9691 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: March 14, 1936 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: Broadway And Main Streets, Randolph, NE 68771 County: Cedar 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $49.3 mil Equity capital: $6.3 mil Deposits held in domestic offices: $32.1 mil Return on assets (ROA): 1.42% ($0.7 mil) Quarterly return on assets: 1.05% ($0.5 mil) Return on Equity (ROE): 10.30% ($0.6 mil) Quarterly return on equity: 7.77% ($0.5 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.45% ($714.2 mil) Quarterly Pretax return on assets: 1.08% ($532.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$49,258Total assets
$14,416Cash and due from depository institutions
$13,296Interest-bearing balances
$4,967Securities
$0Federal funds sold & reverse repurchase agreements
$28,556Net loans & leases
$407Loan loss allowance
$0Trading account assets
$30Bank premises and fixed assets
$11Other real estate owned
$0Goodwill and other intangibles
$49,258Life insurance assets
$1,278All other assets
$42,920Total liabilities and capital
$32,127Total liabilities
$27,269Total deposits
$32,127Interest-bearing deposits
$85Deposits held in domestic offices
1811.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,926Trading liabilities
$0Other borrowed funds
$56Subordinated debt
$6,338All other liabilities
$6,338Total equity capital
$6,338Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,200Surplus
$3,938Undivided 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
$598Long-term assets (5+ years)
$46,819Average Assets, year-to-date
$13,598Average Assets, quarterly
$45,401Volatile liabilities
$47,030Insider loans
$43,748FHLB advances
$48,190Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,322Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13,958Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,916Total interest income
$480Total interest expense
$1,436Net interest income
$25Provision for loan and lease losses
$170Total noninterest income
$0Fiduciary activities
$77Service charges on deposit accounts
$0Trading account gains & fees
$93Additional noninterest income
$926Total noninterest expense
$629Salaries and employee benefits
$118Premises and equipment expense
$179Additional noninterest expense
$655Pre-tax net operating income
$2Securities gains (losses)
$14Applicable income taxes
$643Income before extraordinary items
$0Extraordinary gains - net
$643Net income attributable to bank
$0Net charge-offs
$643Cash dividends
$0Sale, conversion, retirement of capital stock, net
$434Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.45%Yield on earning assets
1.12%Cost of funding earning assets
3.34%Net interest margin
0.40%Noninterest income to earning assets
2.15%Noninterest expense to earning assets
1.41%Net operating income to assets
1.42%Return on assets (ROA)
1.45%Pretax return on assets
10.30%Return on equity (ROE)
3.35%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
57,659Assets per employee
5.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
67.50%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.00%Net loans and leases to deposits
88.88%Net loans and leases to core deposits
88.88%Equity capital to assets
12.87%Core capital (leverage) ratio
13.12%Tier 1 risk-based capital ratio
14.45%Total risk-based capital ratio
Memoranda
$15Average assets
$45,401Average earning assets
$6,241Average equity
$43,030Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9691
First State Bank
Broadway And Main Streets, Randolph, NE 68771
July 01, 1935
Full Service Brick and Mortar
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