FDIC Certificate #: 8604 Status: Active Federal Reserve ID: 284958 Bank Holding Company (Regulatory Top Holder): Firstand Co. (RSSDID: 2684589, Location: Hordville, NE) Date Established: January 01, 1906 WWW:http://www.fsbhordville.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 #: 53544 FDIC's unique #: 5498 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: June 03, 2010 Last Data Update: June 03, 2010 Data Source Date: April 05, 2012
Location
Address: 201 Main St, Hordville, NE 68846 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $31.5 mil Equity capital: $3.6 mil Deposits held in domestic offices: $24.9 mil Return on assets (ROA): 0.49% ($0.2 mil) Quarterly return on assets: 0.55% ($0.2 mil) Return on Equity (ROE): 4.20% ($0.2 mil) Quarterly return on equity: 4.74% ($0.2 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.68% ($213.9 mil) Quarterly Pretax return on assets: 0.67% ($210.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$31,459Total assets
$4,790Cash and due from depository institutions
$3,770Interest-bearing balances
$2,499Securities
$100Federal funds sold & reverse repurchase agreements
$23,410Net loans & leases
$414Loan loss allowance
$0Trading account assets
$100Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$31,459Life insurance assets
$560All other assets
$27,903Total liabilities and capital
$24,893Total liabilities
$20,913Total deposits
$24,893Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,926Trading liabilities
$0Other borrowed funds
$84Subordinated debt
$3,556All other liabilities
$3,556Total equity capital
$3,556Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,000Surplus
$2,356Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$26Income earned, not collected on loans
$0Earning assets
$208Long-term assets (5+ years)
$29,779Average Assets, year-to-date
$2,876Average Assets, quarterly
$30,147Volatile liabilities
$30,328Insider loans
$27,899FHLB advances
$30,756Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,556Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,434Restructured Loans and leases
$1,171Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,123Total interest income
$220Total interest expense
$903Net interest income
$0Provision for loan and lease losses
$67Total noninterest income
$0Fiduciary activities
$56Service charges on deposit accounts
$0Trading account gains & fees
$11Additional noninterest income
$765Total noninterest expense
$487Salaries and employee benefits
$119Premises and equipment expense
$159Additional noninterest expense
$205Pre-tax net operating income
$0Securities gains (losses)
$58Applicable income taxes
$147Income before extraordinary items
$0Extraordinary gains - net
$147Net income attributable to bank
$0Net charge-offs
$147Cash dividends
$1Sale, conversion, retirement of capital stock, net
$60Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.95%Yield on earning assets
0.77%Cost of funding earning assets
3.17%Net interest margin
0.24%Noninterest income to earning assets
2.69%Noninterest expense to earning assets
0.49%Net operating income to assets
0.49%Return on assets (ROA)
0.68%Pretax return on assets
4.20%Return on equity (ROE)
2.48%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
205.00%Efficiency ratio
78,866Assets per employee
5.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.82%Loss allowance to loans
1.74%Loss allowance to noncurrent loans
1592.31%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.11%Net loans and leases to deposits
94.04%Net loans and leases to core deposits
95.07%Equity capital to assets
11.30%Core capital (leverage) ratio
11.56%Tier 1 risk-based capital ratio
12.75%Total risk-based capital ratio
Memoranda
$14Average assets
$30,147Average earning assets
$3,501Average equity
$28,442Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5498
First State Bank
201 Main St, Hordville, NE 68846
January 01, 1906
Full Service Brick and Mortar
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