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

First State Bank in Scottsbluff, Nebraska (NE), CO
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First State Bank - Overview

General
FDIC Certificate #: 15586
Status: Active
Federal Reserve ID: 744256
Bank Holding Company (Regulatory Top Holder): First State Bancshares, Inc. (RSSDID: 1057850, Location: Scottsbluff, NE)
Date Established: September 12, 1935
WWW: http://www.fsbcentral.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: Yes)
OTS Docket #: 9363
FDIC's unique #: 9873
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 05, 1938
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: 2002 Broadway, Scottsbluff, NE 69361
County: Scotts Bluff
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): Scottsbluff, NE (#42420)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $215.2 mil
Equity capital: $19.6 mil
Deposits held in domestic offices: $184.9 mil
Return on assets (ROA): 1.96% ($4.2 mil)
Quarterly return on assets: 2.15% ($4.6 mil)
Return on Equity (ROE): 22.07% ($4.4 mil)
Quarterly return on equity: 24.04% ($4.8 mil)
Net income: $4.3 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 2.01% ($4,324.6 mil)
Quarterly Pretax return on assets: 2.19% ($4,711.8 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
48Total employees (full-time equivalent)
$215,152Total assets
$21,043Cash and due from depository institutions
$17,125Interest-bearing balances
$28,403Securities
$2,395Federal funds sold & reverse repurchase agreements
$155,038Net loans & leases
$2,929Loan loss allowance
$0Trading account assets
$3,481Bank premises and fixed assets
$1,682Other real estate owned
$0Goodwill and other intangibles
$215,152Life insurance assets
$3,110All other assets
$195,602Total liabilities and capital
$184,909Total liabilities
$148,553Total deposits
$184,909Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,025Trading liabilities
$0Other borrowed funds
$668Subordinated debt
$19,550All other liabilities
$19,550Total equity capital
$19,550Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$3,411Surplus
$13,639Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,782Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,237Income earned, not collected on loans
$0Earning assets
$1,081Long-term assets (5+ years)
$202,961Average Assets, year-to-date
$12,402Average Assets, quarterly
$216,936Volatile liabilities
$217,655Insider loans
$170,704FHLB advances
$212,678Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,385Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$16,505Restructured Loans and leases
$1,947Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,329Total interest income
$1,753Total interest expense
$8,576Net interest income
$1,200Provision for loan and lease losses
$2,176Total noninterest income
$0Fiduciary activities
$574Service charges on deposit accounts
$0Trading account gains & fees
$1,602Additional noninterest income
$5,222Total noninterest expense
$2,577Salaries and employee benefits
$513Premises and equipment expense
$2,132Additional noninterest expense
$4,330Pre-tax net operating income
$37Securities gains (losses)
$105Applicable income taxes
$4,262Income before extraordinary items
$0Extraordinary gains - net
$4,262Net income attributable to bank
$0Net charge-offs
$4,262Cash dividends
$1,299Sale, conversion, retirement of capital stock, net
$3,800Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.07%Yield on earning assets
0.86%Cost of funding earning assets
4.21%Net interest margin
1.07%Noninterest income to earning assets
2.56%Noninterest expense to earning assets
1.95%Net operating income to assets
1.96%Return on assets (ROA)
2.01%Pretax return on assets
22.07%Return on equity (ROE)
2.39%Retained earnings to average equity (YTD only)
0.86%Net charge-offs to loans
92.38%Credit loss provision to net charge-offs
4.26%Efficiency ratio
48,568Assets per employee
4.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
89.16%Loss allowance to loans
1.85%Loss allowance to noncurrent loans
236.78%Noncurrent assets plus other real estate owned to assets
1.36%Noncurrent loans to loans
0.78%Net loans and leases to deposits
83.85%Net loans and leases to core deposits
89.65%Equity capital to assets
9.09%Core capital (leverage) ratio
9.11%Tier 1 risk-based capital ratio
11.36%Total risk-based capital ratio
Memoranda
$13Average assets
$216,936Average earning assets
$19,309Average equity
$203,682Average 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
$2,834Managed Assets
1Number of Accounts
$2,834Personal trust and agency accounts
$2,834Employee 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
3Number 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
2	18115	First State Bk., Colorado Springs Branch	1776 South Nevada Avenue, Colorado Springs, CO 80906	July 01, 1976	Full Service Brick and Mortar

2 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	9873	First State Bank	2002 Broadway, Scottsbluff, NE 69361	September 12, 1935	Full Service Brick and Mortar
1	3680	Tenth Street Branch	1540 Tenth Street, Gering, NE 69341	January 01, 1934	Full Service Brick and Mortar

First State Bank in Scottsbluff, Nebraska (NE), CO
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)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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First State Bank in Scottsbluff, Nebraska (NE), COOverview, 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)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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