Lexington State Bank and Trust Co. in Lexington, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 08, 1996

Lexington State Bank and Trust Co. in Lexington, Nebraska (NE)
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Lexington State Bank and Trust Co. - Overview

General
FDIC Certificate #: 12744
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: United Nebraska Bank (#33900)
Federal Reserve ID: 103059
Date Established: January 01, 1886
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 11151
FDIC's unique #: 8077
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: March 08, 1996
Last Structure Change Process Date: April 04, 1996
Last Data Update: April 04, 1996
Data Source Date: April 05, 2012
Location
Address: 7th And Lincoln Streets, Lexington, NE 68850
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
Financial Summary
Total assets: $111.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$39Total assets
$111,187Cash and due from depository institutions
$4,373Interest-bearing balances
$18Securities
$32,503Federal funds sold & reverse repurchase agreements
$7,150Net loans & leases
$63,365Loan loss allowance
$859Trading account assets
$0Bank premises and fixed assets
$1,551Other real estate owned
$0Goodwill and other intangibles
$2,133Life insurance assets
$112All other assets
$0Total liabilities and capital
$111,187Total liabilities
$101,399Total deposits
$97,378Interest-bearing deposits
$86,599Deposits held in domestic offices
97378.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,000Subordinated debt
$0All other liabilities
$1,021Total equity capital
$1,021Total bank equity capital
$9,788Perpetual preferred stock
$0Common stock
$1,400Surplus
$3,400Undivided profits
Memoranda
$4,988Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$79Income earned, not collected on loans
$1,352Earning assets
$103,036Long-term assets (5+ years)
$25,387Average Assets, year-to-date
$106,781Average Assets, quarterly
$109,289Volatile liabilities
$13,493Insider loans
$287FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$15,526Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,575Total risk weighted assets
$73,054Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$8,764Total interest expense
$4,441Net interest income
$4,323Provision for loan and lease losses
$32Total noninterest income
$682Fiduciary activities
$0Service charges on deposit accounts
$402Trading account gains & fees
$0Additional noninterest income
$280Total noninterest expense
$3,117Salaries and employee benefits
$1,839Premises and equipment expense
$529Additional noninterest expense
$749Pre-tax net operating income
$1,856Securities gains (losses)
-$512Applicable income taxes
$245Income before extraordinary items
$1,099Extraordinary gains - net
$0Net income attributable to bank
$1,099Net charge-offs
-$51Cash dividends
$700Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.82%Cost of funding earning assets
4.47%Net interest margin
4.35%Noninterest income to earning assets
0.69%Noninterest expense to earning assets
3.14%Net operating income to assets
1.42%Return on assets (ROA)
1.03%Pretax return on assets
1.26%Return on equity (ROE)
12.20%Retained earnings to average equity (YTD only)
4.43%Net charge-offs to loans
-0.08%Credit loss provision to net charge-offs
-62.75%Efficiency ratio
61,998Assets per employee
2.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.69%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
1087.34%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.12%Net loans and leases to deposits
65.07%Net loans and leases to core deposits
72.93%Equity capital to assets
8.80%Core capital (leverage) ratio
8.85%Tier 1 risk-based capital ratio
13.11%Total risk-based capital ratio
Memoranda
$14Average assets
$106,781Average earning assets
$9,007Average equity
$99,383Average loans

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