FDIC Certificate #: 16516 Status: Active Federal Reserve ID: 514057 Bank Holding Company (Regulatory Top Holder): Jdj Banco, Inc. (RSSDID: 1840801, Location: Lynch, NE) Date Established: December 09, 1946 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 #: 10671 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: December 09, 1946 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: 202 N 4th St, Lynch, NE 68746 County: Boyd 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $14.0 mil Equity capital: $2.0 mil Deposits held in domestic offices: $12.0 mil Return on assets (ROA): 0.43% ($0.1 mil) Quarterly return on assets: 0.18% ($0.0 mil) Return on Equity (ROE): 2.76% ($0.1 mil) Quarterly return on equity: 1.19% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.44% ($61.7 mil) Quarterly Pretax return on assets: 0.03% ($4.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$14,033Total assets
$7,284Cash and due from depository institutions
$7,070Interest-bearing balances
$0Securities
$557Federal funds sold & reverse repurchase agreements
$5,983Net loans & leases
$213Loan loss allowance
$0Trading account assets
$15Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$14,033Life insurance assets
$194All other assets
$12,012Total liabilities and capital
$12,001Total liabilities
$10,247Total deposits
$12,001Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$11Subordinated debt
$2,021All other liabilities
$2,021Total equity capital
$2,021Total bank equity capital
$0Perpetual preferred stock
$65Common stock
$255Surplus
$1,701Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$173Long-term assets (5+ years)
$13,610Average Assets, year-to-date
$63Average Assets, quarterly
$12,933Volatile liabilities
$13,498Insider loans
$7,649FHLB advances
$13,885Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,021Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$534Total interest income
$77Total interest expense
$457Net interest income
$0Provision for loan and lease losses
$47Total noninterest income
$0Fiduciary activities
$43Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$447Total noninterest expense
$291Salaries and employee benefits
$39Premises and equipment expense
$117Additional noninterest expense
$57Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
$55Income before extraordinary items
$0Extraordinary gains - net
$55Net income attributable to bank
$0Net charge-offs
$55Cash dividends
$0Sale, conversion, retirement of capital stock, net
$7Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.25%Yield on earning assets
0.61%Cost of funding earning assets
3.64%Net interest margin
0.37%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
0.43%Net operating income to assets
0.43%Return on assets (ROA)
0.44%Pretax return on assets
2.76%Return on equity (ROE)
2.40%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
88,690Assets per employee
2.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
12.73%Loss allowance to loans
3.44%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
49.85%Net loans and leases to core deposits
55.35%Equity capital to assets
14.40%Core capital (leverage) ratio
14.56%Tier 1 risk-based capital ratio
26.42%Total risk-based capital ratio
Memoranda
$28Average assets
$12,933Average earning assets
$1,996Average equity
$12,551Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10671
Nebraska State Bank
202 N 4th St, Lynch, NE 68746
December 09, 1946
Full Service Brick and Mortar
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