FDIC Certificate #: 11479 Status: Active Federal Reserve ID: 110655 Bank Holding Company (Regulatory Top Holder): Lisco State Company (RSSDID: 1056200, Location: Lisco, NE) Date Established: January 01, 1909 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 7335 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 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 102 Coldwater, Lisco, NE 69148 County: Garden 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.1 mil Equity capital: $2.5 mil Deposits held in domestic offices: $12.9 mil Return on assets (ROA): 1.73% ($0.3 mil) Quarterly return on assets: 1.80% ($0.3 mil) Return on Equity (ROE): 12.13% ($0.2 mil) Quarterly return on equity: 12.60% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.73% ($313.3 mil) Quarterly Pretax return on assets: 1.80% ($326.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
4Total employees (full-time equivalent)
$18,109Total assets
$581Cash and due from depository institutions
$14Interest-bearing balances
$3,422Securities
$1,865Federal funds sold & reverse repurchase agreements
$11,783Net loans & leases
$245Loan loss allowance
$0Trading account assets
$36Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,109Life insurance assets
$422All other assets
$15,653Total liabilities and capital
$12,871Total liabilities
$10,596Total deposits
$12,871Interest-bearing deposits
$85Deposits held in domestic offices
122.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,599Trading liabilities
$0Other borrowed funds
$61Subordinated debt
$2,456All other liabilities
$2,456Total equity capital
$2,456Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,500Surplus
$856Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$270Income earned, not collected on loans
$0Earning assets
$266Long-term assets (5+ years)
$17,084Average Assets, year-to-date
$6,360Average Assets, quarterly
$16,494Volatile liabilities
$17,094Insider loans
$13,256FHLB advances
$17,588Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,367Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,536Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$784Total interest income
$175Total interest expense
$609Net interest income
$0Provision for loan and lease losses
$33Total noninterest income
$0Fiduciary activities
$19Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$357Total noninterest expense
$213Salaries and employee benefits
$28Premises and equipment expense
$116Additional noninterest expense
$285Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$285Income before extraordinary items
$0Extraordinary gains - net
$285Net income attributable to bank
$0Net charge-offs
$285Cash dividends
-$5Sale, conversion, retirement of capital stock, net
$132Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
1.11%Cost of funding earning assets
3.88%Net interest margin
0.21%Noninterest income to earning assets
2.27%Noninterest expense to earning assets
1.73%Net operating income to assets
1.73%Return on assets (ROA)
1.73%Pretax return on assets
12.13%Return on equity (ROE)
6.51%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
55,607Assets per employee
4.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.32%Loss allowance to loans
2.04%Loss allowance to noncurrent loans
90.74%Noncurrent assets plus other real estate owned to assets
1.49%Noncurrent loans to loans
2.24%Net loans and leases to deposits
91.55%Net loans and leases to core deposits
98.20%Equity capital to assets
13.56%Core capital (leverage) ratio
13.46%Tier 1 risk-based capital ratio
17.86%Total risk-based capital ratio
Memoranda
$19Average assets
$16,494Average earning assets
$2,349Average equity
$15,708Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7335
Lisco State Bank
102 Coldwater, Lisco, NE 69148
January 01, 1909
Full Service Brick and Mortar
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