McCook National Bank in Mccook, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • McCook National Bank in Mccook, Nebraska (NE)
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McCook National Bank routing number info

McCook National Bank - Overview

  • General
  • FDIC Certificate #: 5434
    Status: Active
    Federal Reserve ID: 575759
    Bank Holding Company (Regulatory Top Holder): Graff Family, Inc. (RSSDID: 2846275, Location: Mccook, NE)
    Date Established: October 01, 1907
    WWW: http://www.mnb1.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13908
    FDIC's unique #: 3677
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    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: 220 Norris Avenue, Mccook, NE 69001
    County: Red Willow
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $297.7 mil
    Equity capital: $40.1 mil
    Deposits held in domestic offices: $245.7 mil
    Return on assets (ROA): 1.12% ($3.3 mil)
    Quarterly return on assets: 1.11% ($3.3 mil)
    Return on Equity (ROE): 8.08% ($3.2 mil)
    Quarterly return on equity: 8.08% ($3.2 mil)
    Net income: $3.1 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.60% ($4,763.7 mil)
    Quarterly Pretax return on assets: 1.59% ($4,734.0 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
  • 50Total employees (full-time equivalent)
  • $297,734Total assets
  • $10,834Cash and due from depository institutions
  • $135Interest-bearing balances
  • $85,932Securities
  • $300Federal funds sold & reverse repurchase agreements
  • $183,377Net loans & leases
  • $2,724Loan loss allowance
  • $0Trading account assets
  • $2,099Bank premises and fixed assets
  • $1,305Other real estate owned
  • $483Goodwill and other intangibles
  • $297,734Life insurance assets
  • $13,404All other assets
  • $257,658Total liabilities and capital
  • $245,658Total liabilities
  • $210,429Total deposits
  • $245,658Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 1600.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,611Trading liabilities
  • $0Other borrowed funds
  • $2,789Subordinated debt
  • $40,076All other liabilities
  • $40,076Total equity capital
  • $40,076Total bank equity capital
  • $0Perpetual preferred stock
  • $6,642Common stock
  • $8,168Surplus
  • $25,266Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $412Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,746Income earned, not collected on loans
  • $0Earning assets
  • $4,030Long-term assets (5+ years)
  • $269,744Average Assets, year-to-date
  • $75,147Average Assets, quarterly
  • $279,867Volatile liabilities
  • $289,952Insider loans
  • $231,594FHLB advances
  • $287,951Loans and leases held for sale
  • $5,717Unused loan commitments
  • $4,902Tier 1 (core) risk-based capital
  • $37,964Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $815Total unused commitments
  • $51,326Restructured Loans and leases
  • $644Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,069Total interest income
  • $2,973Total interest expense
  • $9,096Net interest income
  • $350Provision for loan and lease losses
  • $1,259Total noninterest income
  • $0Fiduciary activities
  • $392Service charges on deposit accounts
  • $0Trading account gains & fees
  • $867Additional noninterest income
  • $5,537Total noninterest expense
  • $3,424Salaries and employee benefits
  • $648Premises and equipment expense
  • $1,465Additional noninterest expense
  • $4,468Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,341Applicable income taxes
  • $3,127Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,127Net income attributable to bank
  • $0Net charge-offs
  • $3,127Cash dividends
  • $440Sale, conversion, retirement of capital stock, net
  • $1,323Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.52%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.14%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 8.08%Return on equity (ROE)
  • 4.66%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 79.55%Credit loss provision to net charge-offs
  • 10.95%Efficiency ratio
  • 53,472Assets per employee
  • 5.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.31%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 57.40%Noncurrent assets plus other real estate owned to assets
  • 2.03%Noncurrent loans to loans
  • 2.55%Net loans and leases to deposits
  • 74.65%Net loans and leases to core deposits
  • 83.88%Equity capital to assets
  • 13.46%Core capital (leverage) ratio
  • 13.18%Tier 1 risk-based capital ratio
  • 16.39%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $279,867Average earning assets
  • $38,708Average equity
  • $258,144Average loans

List of branches

  • 3 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03677Mccook National Bank220 Norris Avenue, Mccook, NE 69001October 01, 1907Full Service Brick and Mortar
    1207692West Auto Bank Branch401-403 West Fifth Street, Mccook, NE 69001October 27, 1979Limited Service Facility
    29735Stratton BranchBailey Street, Stratton, NE 69043January 01, 1887Full Service Brick and Mortar

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