Homestead Bank in city_name, state_name - Detailed Financial Reports, Location

Homestead Bank in Cozad, Nebraska (NE)
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Homestead Bank routing number info

Homestead Bank - Overview

General
FDIC Certificate #: 11482
Status: Active
Federal Reserve ID: 140157
Bank Holding Company (Regulatory Top Holder): C.S.b. Co. (RSSDID: 1055696, Location: Cozad, NE)
Date Established: January 01, 1905
WWW: http://www.homesteadbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 7338
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: January 01, 1934
Last Structure Change Effective Date: March 01, 2011
Last Structure Change Process Date: March 08, 2011
Last Data Update: March 08, 2011
Data Source Date: April 05, 2012
Location
Address: 915 Meridian Avenue, Cozad, NE 69130
County: Dawson
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): Lexington, NE (#30420)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $231.0 mil
Equity capital: $27.4 mil
Deposits held in domestic offices: $197.4 mil
Return on assets (ROA): 1.24% ($2.9 mil)
Quarterly return on assets: 0.93% ($2.1 mil)
Return on Equity (ROE): 10.24% ($2.8 mil)
Quarterly return on equity: 7.70% ($2.1 mil)
Net income: $2.5 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.24% ($2,864.8 mil)
Quarterly Pretax return on assets: 0.93% ($2,148.6 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
75Total employees (full-time equivalent)
$231,030Total assets
$30,478Cash and due from depository institutions
$21,704Interest-bearing balances
$44,804Securities
$0Federal funds sold & reverse repurchase agreements
$144,524Net loans & leases
$1,222Loan loss allowance
$0Trading account assets
$5,024Bank premises and fixed assets
$0Other real estate owned
$1,380Goodwill and other intangibles
$231,030Life insurance assets
$4,820All other assets
$203,606Total liabilities and capital
$197,409Total liabilities
$161,379Total deposits
$197,409Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,869Trading liabilities
$0Other borrowed funds
$328Subordinated debt
$27,424All other liabilities
$27,424Total equity capital
$27,424Total bank equity capital
$0Perpetual preferred stock
$1,024Common stock
$16,596Surplus
$9,804Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$628Income earned, not collected on loans
$0Earning assets
$2,602Long-term assets (5+ years)
$211,032Average Assets, year-to-date
$38,127Average Assets, quarterly
$204,744Volatile liabilities
$228,572Insider loans
$165,155FHLB advances
$223,795Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$25,660Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$44,442Restructured Loans and leases
$5,547Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,326Total interest income
$1,518Total interest expense
$7,808Net interest income
$520Provision for loan and lease losses
$1,467Total noninterest income
$0Fiduciary activities
$434Service charges on deposit accounts
$0Trading account gains & fees
$1,033Additional noninterest income
$6,216Total noninterest expense
$3,763Salaries and employee benefits
$532Premises and equipment expense
$1,921Additional noninterest expense
$2,539Pre-tax net operating income
$9Securities gains (losses)
$0Applicable income taxes
$2,548Income before extraordinary items
$0Extraordinary gains - net
$2,548Net income attributable to bank
$0Net charge-offs
$2,548Cash dividends
$304Sale, conversion, retirement of capital stock, net
$4,503Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.93%Yield on earning assets
0.80%Cost of funding earning assets
4.13%Net interest margin
0.78%Noninterest income to earning assets
3.28%Noninterest expense to earning assets
1.24%Net operating income to assets
1.24%Return on assets (ROA)
1.24%Pretax return on assets
10.24%Return on equity (ROE)
-7.85%Retained earnings to average equity (YTD only)
0.23%Net charge-offs to loans
171.05%Credit loss provision to net charge-offs
10.06%Efficiency ratio
67,019Assets per employee
3.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
176.73%Loss allowance to loans
0.84%Loss allowance to noncurrent loans
194.59%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.43%Net loans and leases to deposits
73.21%Net loans and leases to core deposits
74.77%Equity capital to assets
11.87%Core capital (leverage) ratio
11.47%Tier 1 risk-based capital ratio
15.54%Total risk-based capital ratio
Memoranda
$16Average assets
$204,744Average earning assets
$24,891Average equity
$189,250Average 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
$40Managed Assets
1Number of Accounts
$40Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$40Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$40Employee 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

8 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7338	Homestead Bank	915 Meridian Avenue, Cozad, NE 69130	January 01, 1905	Full Service Brick and Mortar
2	3704	St Paul Branch	619 Grand Street, St. Paul, NE 68873	January 01, 1879	Full Service Brick and Mortar
3	7337	Wolbach Branch	Main Street, Wolbach, NE 68882	November 20, 1914	Full Service Brick and Mortar
4	224668	Lexington Branch	202 East 7th Street, Lexington, NE 68850	July 14, 1995	Full Service Brick and Mortar
5	5313	Schuyler Branch	1123 B Street, Schuyler, NE 68661	October 24, 1887	Full Service Brick and Mortar
6	218285	Drive-Thru Schuyler	715 West Sixteenth Street, Schuyler, NE 68661	September 11, 1978	Limited Service Facility
7	274519	Albion Branch	407 West State Street, Albion, NE 68620	June 30, 1988	Full Service Brick and Mortar
8	11308	Howells Branch	231 Center Street, Howells, NE 68641	December 14, 1944	Full Service Brick and Mortar

Homestead Bank in Cozad, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Homestead 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:

Homestead Bank in Cozad, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Homestead 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:

Homestead Bank in Cozad, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches