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

This bank is inactive as of July 01, 1993

Howells Bank in Howells, Nebraska (NE)
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Howells Bank - Overview

General
FDIC Certificate #: 17290
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank (#8325)
Federal Reserve ID: 500751
Date Established: December 14, 1944
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 11308
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 02, 1954
Last Structure Change Effective Date: July 01, 1993
Last Structure Change Process Date: July 14, 1993
Last Data Update: July 14, 1993
Data Source Date: April 05, 2012
Location
Address: Main Street, Howells, NE 68641
County: Colfax
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Omaha
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Financial Summary
Total assets: $21.0 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$10Total assets
$20,871Cash and due from depository institutions
$1,747Interest-bearing balances
$0Securities
$2,254Federal funds sold & reverse repurchase agreements
$325Net loans & leases
$15,723Loan loss allowance
$385Trading account assets
$0Bank premises and fixed assets
$74Other real estate owned
$0Goodwill and other intangibles
$748Life insurance assets
$0All other assets
$0Total liabilities and capital
$20,871Total liabilities
$18,951Total deposits
$18,801Interest-bearing deposits
$16,682Deposits held in domestic offices
18801.00%% insured (estimated)
$98Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$150Total equity capital
$150Total bank equity capital
$1,920Perpetual preferred stock
$0Common stock
$100Surplus
$850Undivided profits
Memoranda
$970Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$399Income earned, not collected on loans
$624Earning assets
$18,302Long-term assets (5+ years)
$1,422Average Assets, year-to-date
$20,720Average Assets, quarterly
$20,628Volatile liabilities
$335Insider loans
$2FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,920Total risk weighted assets
$17,176Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$1,855Total interest expense
$926Net interest income
$929Provision for loan and lease losses
$395Total noninterest income
$89Fiduciary activities
$0Service charges on deposit accounts
$69Trading account gains & fees
$0Additional noninterest income
$20Total noninterest expense
$491Salaries and employee benefits
$357Premises and equipment expense
$24Additional noninterest expense
$110Pre-tax net operating income
$132Securities gains (losses)
-$5Applicable income taxes
$23Income before extraordinary items
$104Extraordinary gains - net
$0Net income attributable to bank
$104Net charge-offs
$198Cash dividends
$30Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.78%Cost of funding earning assets
4.88%Net interest margin
4.90%Noninterest income to earning assets
0.47%Noninterest expense to earning assets
2.59%Net operating income to assets
0.52%Return on assets (ROA)
0.50%Pretax return on assets
0.61%Return on equity (ROE)
5.49%Retained earnings to average equity (YTD only)
3.91%Net charge-offs to loans
1.25%Credit loss provision to net charge-offs
199.49%Efficiency ratio
48,232Assets per employee
2.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.85%Loss allowance to loans
2.39%Loss allowance to noncurrent loans
96.49%Noncurrent assets plus other real estate owned to assets
1.91%Noncurrent loans to loans
2.48%Net loans and leases to deposits
83.63%Net loans and leases to core deposits
85.15%Equity capital to assets
9.20%Core capital (leverage) ratio
9.38%Tier 1 risk-based capital ratio
11.18%Total risk-based capital ratio
Memoranda
$12Average assets
$20,720Average earning assets
$1,895Average equity
$18,966Average loans

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