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

This bank is inactive as of October 05, 2002

Grafton State Bank in Grafton, Nebraska (NE)
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Grafton State Bank - Overview

General
FDIC Certificate #: 11468
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Geneva State Bank (#18740)
Federal Reserve ID: 90252
Date Established: January 01, 1902
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7328
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 05, 2002
Last Structure Change Process Date: October 17, 2002
Last Data Update: October 17, 2002
Data Source Date: April 05, 2012
Location
Address: Main Street, Grafton, NE 68365
County: Fillmore
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: $12.0 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, 2001)

Dollar figures in thousands
5Total employees (full-time equivalent)
$11,589Total assets
$962Cash and due from depository institutions
$0Interest-bearing balances
$626Securities
$0Federal funds sold & reverse repurchase agreements
$9,075Net loans & leases
$152Loan loss allowance
$0Trading account assets
$34Bank premises and fixed assets
$0Other real estate owned
$491Goodwill and other intangibles
$0Life insurance assets
$401All other assets
$11,589Total liabilities and capital
$10,131Total liabilities
$9,916Total deposits
$8,910Interest-bearing deposits
$9,916Deposits held in domestic offices
0.00%% insured (estimated)
$159Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$56All other liabilities
$1,458Total equity capital
$1,458Total bank equity capital
$1,458Perpetual preferred stock
$0Common stock
$150Surplus
$1,264Undivided profits
Memoranda
$44Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$60Earning assets
$0Long-term assets (5+ years)
$359Average Assets, year-to-date
$9,701Average Assets, quarterly
$1,894Volatile liabilities
$11,352Insider loans
$11,428FHLB advances
$893Loans and leases held for sale
$7Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$124Derivatives

Income and Expense (December 31, 2001)

Dollar figures in thousands
$397Total interest income
$181Total interest expense
$216Net interest income
$0Provision for loan and lease losses
$4Total noninterest income
$0Fiduciary activities
$3Service charges on deposit accounts
$0Trading account gains & fees
$1Additional noninterest income
$164Total noninterest expense
$81Salaries and employee benefits
$34Premises and equipment expense
$49Additional noninterest expense
$56Pre-tax net operating income
$0Securities gains (losses)
$23Applicable income taxes
$33Income before extraordinary items
$0Extraordinary gains - net
$33Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$7Net operating income

Performance and Condition Ratios (December 31, 2001)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.83%Yield on earning assets
1.75%Cost of funding earning assets
2.09%Net interest margin
0.04%Noninterest income to earning assets
1.58%Noninterest expense to earning assets
0.29%Net operating income to assets
0.29%Return on assets (ROA)
0.49%Pretax return on assets
2.39%Return on equity (ROE)
1.88%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,545Assets per employee
2.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
21.21%Loss allowance to loans
1.65%Loss allowance to noncurrent loans
253.33%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.65%Net loans and leases to deposits
91.52%Net loans and leases to core deposits
98.83%Equity capital to assets
12.58%Core capital (leverage) ratio
8.41%Tier 1 risk-based capital ratio
9.66%Total risk-based capital ratio
Memoranda
$11Average assets
$11,352Average earning assets
$1,382Average equity
$10,357Average loans

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