Lincoln FSB of Nebraska in Lincoln, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Lincoln FSB of Nebraska in Lincoln, Nebraska (NE)
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Lincoln FSB of Nebraska - Overview

  • General
  • FDIC Certificate #: 29692
    Status: Active
    Federal Reserve ID: 529275
    Date Established: January 01, 1906
    WWW: http://www.lincolnfed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 3896
    FDIC's unique #: 42526
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 02, 1937
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1101 N Street, Lincoln, NE 68508
    County: Lancaster
    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
    Metropolitan Statistical Area (MSA): Lincoln, NE (#4360)
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $331.9 mil
    Equity capital: $36.0 mil
    Deposits held in domestic offices: $232.1 mil
    Return on assets (ROA): -0.22% (-$0.7 mil)
    Quarterly return on assets: 0.88% ($2.9 mil)
    Return on Equity (ROE): -2.07% (-$0.7 mil)
    Quarterly return on equity: 8.16% ($2.9 mil)
    Net income: -$0.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: -0.36% (-$1,195.0 mil)
    Quarterly Pretax return on assets: 1.38% ($4,580.8 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
  • 97Total employees (full-time equivalent)
  • $331,945Total assets
  • $18,184Cash and due from depository institutions
  • $13,362Interest-bearing balances
  • $105Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $271,177Net loans & leases
  • $7,474Loan loss allowance
  • $0Trading account assets
  • $4,014Bank premises and fixed assets
  • $28,288Other real estate owned
  • $0Goodwill and other intangibles
  • $331,945Life insurance assets
  • $10,177All other assets
  • $295,912Total liabilities and capital
  • $232,144Total liabilities
  • $221,751Total deposits
  • $232,144Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $58,783Trading liabilities
  • $0Other borrowed funds
  • $4,985Subordinated debt
  • $36,033All other liabilities
  • $35,996Total equity capital
  • $35,996Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $2,000Surplus
  • $33,995Undivided profits
  • Memoranda
  • $37Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,332Income earned, not collected on loans
  • $0Earning assets
  • $1,034Long-term assets (5+ years)
  • $284,644Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $334,602Volatile liabilities
  • $330,804Insider loans
  • $220,318FHLB advances
  • $319,254Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,671Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,058Restructured Loans and leases
  • $296Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,177Total interest income
  • $5,359Total interest expense
  • $9,818Net interest income
  • $4,936Provision for loan and lease losses
  • $3,212Total noninterest income
  • $0Fiduciary activities
  • $77Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,135Additional noninterest income
  • $9,220Total noninterest expense
  • $5,591Salaries and employee benefits
  • $1,266Premises and equipment expense
  • $2,363Additional noninterest expense
  • -$1,126Pre-tax net operating income
  • -$87Securities gains (losses)
  • -$469Applicable income taxes
  • -$744Income before extraordinary items
  • $0Extraordinary gains - net
  • -$744Net income attributable to bank
  • $0Net charge-offs
  • -$744Cash dividends
  • $211Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 1.85%Cost of funding earning assets
  • 3.40%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 3.19%Noninterest expense to earning assets
  • -0.21%Net operating income to assets
  • -0.22%Return on assets (ROA)
  • -0.36%Pretax return on assets
  • -2.07%Return on equity (ROE)
  • -2.07%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 2339.34%Credit loss provision to net charge-offs
  • 18.06%Efficiency ratio
  • 70,760Assets per employee
  • 3.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.68%Loss allowance to noncurrent loans
  • 30.72%Noncurrent assets plus other real estate owned to assets
  • 10.25%Noncurrent loans to loans
  • 8.73%Net loans and leases to deposits
  • 116.81%Net loans and leases to core deposits
  • 119.19%Equity capital to assets
  • 10.84%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 13.47%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $334,602Average earning assets
  • $35,998Average equity
  • $289,091Average loans

List of branches

  • 14 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042526Lincoln Fsb Of Nebraska1101 N Street, Lincoln, NE 68508January 01, 1906Full Service Brick and Mortar
    1276828720 4th Avenue Branch720 4th Avenue, Holdrege, NE 68949January 01, 1906Full Service Brick and Mortar
    2276829631 West 2nd Branch631 West 2nd, Hastings, NE 68901January 01, 1906Full Service Brick and Mortar
    100276830South Dewey Branch1002 South Dewey, North Platte, NE 69101January 01, 1906Full Service Brick and Mortar
    101276831221 Norris Avenue Branch221 Norris Avenue, Mccook, NE 69001January 01, 1906Full Service Brick and Mortar
    102276832Chief Branch524 Chief Street, Benkelman, NE 69021January 01, 1906Full Service Brick and Mortar
    1032768337001 O Street Branch7001 O Street, Lincoln, NE 68505January 01, 1906Full Service Brick and Mortar
    1042800892501 S 48th Branch2501 South 48th Street, Lincoln, NE 68506January 01, 1887Full Service Brick and Mortar
    105276834Fremont Branch415 East Sixth Street, Fremont, NE 68025March 01, 1992Full Service Brick and Mortar
    106276835Blair Branch1822 Washington Street, Blair, NE 68008June 20, 1994Full Service Brick and Mortar
    1072768363900 Old Cheney Branch2810 Copper Ridge Drive, Suite 1, Lincoln, NE 68516July 06, 1996Full Service Brick and Mortar
    108276837673 132nd Street Branch673 North 132nd Street, Omaha, NE 68154May 03, 1997Full Service Brick and Mortar
    109357143South 70th Street Branch4500 South 70th Street, Lincoln, NE 68516June 30, 1999Full Service Brick and Mortar
    110357145Superior Street Branch2401 Superior Street, Lincoln, NE 68521June 30, 1999Full Service Brick and Mortar

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