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


  • Madison County Bank in Madison, Nebraska (NE)
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Madison County Bank - Overview

  • General
  • FDIC Certificate #: 31999
    Status: Active
    Federal Reserve ID: 385471
    Date Established: January 01, 1888
    WWW: http://www.madisoncountybank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 7715
    FDIC's unique #: 44833
    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: January 28, 1980
    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: 111 West Third Street, Madison, NE 68748
    County: Madison
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Norfolk, NE (#35740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $239.1 mil
    Equity capital: $30.1 mil
    Deposits held in domestic offices: $180.3 mil
    Return on assets (ROA): 1.53% ($3.7 mil)
    Quarterly return on assets: 1.32% ($3.2 mil)
    Return on Equity (ROE): 12.19% ($3.7 mil)
    Quarterly return on equity: 10.37% ($3.1 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 2.20% ($5,260.4 mil)
    Quarterly Pretax return on assets: 1.86% ($4,447.4 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
  • 48Total employees (full-time equivalent)
  • $239,109Total assets
  • $7,093Cash and due from depository institutions
  • $258Interest-bearing balances
  • $25,630Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $189,574Net loans & leases
  • $3,967Loan loss allowance
  • $0Trading account assets
  • $2,536Bank premises and fixed assets
  • $0Other real estate owned
  • $1,668Goodwill and other intangibles
  • $239,109Life insurance assets
  • $12,608All other assets
  • $208,996Total liabilities and capital
  • $180,276Total liabilities
  • $175,758Total deposits
  • $180,276Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $26,900Trading liabilities
  • $0Other borrowed funds
  • $1,820Subordinated debt
  • $30,113All other liabilities
  • $30,113Total equity capital
  • $30,113Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $7,304Surplus
  • $22,808Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $200Income earned, not collected on loans
  • $0Earning assets
  • $4,141Long-term assets (5+ years)
  • $215,462Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $226,116Volatile liabilities
  • $234,390Insider loans
  • $214,274FHLB advances
  • $237,095Loans and leases held for sale
  • $4,444Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $28,554Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,722Restructured Loans and leases
  • $602Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,656Total interest income
  • $2,216Total interest expense
  • $9,440Net interest income
  • $676Provision for loan and lease losses
  • $1,533Total noninterest income
  • $0Fiduciary activities
  • $208Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,325Additional noninterest income
  • $5,340Total noninterest expense
  • $3,509Salaries and employee benefits
  • $626Premises and equipment expense
  • $1,205Additional noninterest expense
  • $4,957Pre-tax net operating income
  • $9Securities gains (losses)
  • $1,512Applicable income taxes
  • $3,454Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,454Net income attributable to bank
  • $0Net charge-offs
  • $3,454Cash dividends
  • $36Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.64%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.57%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 2.20%Pretax return on assets
  • 12.19%Return on equity (ROE)
  • 12.19%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1877.78%Credit loss provision to net charge-offs
  • 156.47%Efficiency ratio
  • 46,250Assets per employee
  • 4.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 1983.50%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 105.16%Net loans and leases to core deposits
  • 106.37%Equity capital to assets
  • 12.59%Core capital (leverage) ratio
  • 12.04%Tier 1 risk-based capital ratio
  • 13.33%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $226,116Average earning assets
  • $28,331Average equity
  • $206,741Average loans

List of branches

  • 4 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    044833Madison County Bank111 West Third Street, Madison, NE 68748January 01, 1888Full Service Brick and Mortar
    101357211Norfolk Branch2100 Pasewalk Avenue, Norfolk, NE 68701July 06, 1998Full Service Brick and Mortar
    1023624Albion Branch103 South Fourth Street, Albion, NE 68620January 01, 1879Full Service Brick and Mortar
    103495829Plainview Branch402 W Locust St, Plainview, NE 68769July 01, 2008Full Service Brick and Mortar

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