FDIC Certificate #: 9819 Status: Active Federal Reserve ID: 911759 Bank Holding Company (Regulatory Top Holder): O & F Cattle Company (RSSDID: 1051399, Location: Oshkosh, NE) Date Established: June 21, 1921 WWW:http://www.fsaloans.netnsb/ Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 52466 FDIC's unique #: 6291 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: October 14, 2008 Last Structure Change Process Date: December 05, 2008 Last Data Update: December 05, 2008 Data Source Date: April 05, 2012
Location
Address: 218 Main Street, Oshkosh, NE 69154 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
Financial Summary
Total assets: $47.2 mil Equity capital: $4.6 mil Deposits held in domestic offices: $39.9 mil Return on assets (ROA): 1.93% ($0.9 mil) Quarterly return on assets: 1.81% ($0.9 mil) Return on Equity (ROE): 20.84% ($1.0 mil) Quarterly return on equity: 18.92% ($0.9 mil) Net income: $0.9 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.97% ($929.9 mil) Quarterly Pretax return on assets: 1.86% ($878.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$47,205Total assets
$4,224Cash and due from depository institutions
$2,922Interest-bearing balances
$14,120Securities
$0Federal funds sold & reverse repurchase agreements
$24,396Net loans & leases
$285Loan loss allowance
$0Trading account assets
$50Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$47,206Life insurance assets
$4,415All other assets
$42,613Total liabilities and capital
$39,882Total liabilities
$32,044Total deposits
$39,882Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,731Subordinated debt
$4,593All other liabilities
$4,593Total equity capital
$4,593Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,200Surplus
$3,193Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$186Income earned, not collected on loans
$186Earning assets
$768Long-term assets (5+ years)
$41,438Average Assets, year-to-date
$1,367Average Assets, quarterly
$46,225Volatile liabilities
$47,033Insider loans
$31,846FHLB advances
$44,835Loans and leases held for sale
$518Unused loan commitments
$518Tier 1 (core) risk-based capital
$4,489Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,948Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,728Total interest income
$338Total interest expense
$1,390Net interest income
$0Provision for loan and lease losses
$889Total noninterest income
$0Fiduciary activities
$36Service charges on deposit accounts
$0Trading account gains & fees
$853Additional noninterest income
$1,368Total noninterest expense
$975Salaries and employee benefits
$182Premises and equipment expense
$211Additional noninterest expense
$911Pre-tax net operating income
$0Securities gains (losses)
$19Applicable income taxes
$892Income before extraordinary items
$0Extraordinary gains - net
$892Net income attributable to bank
$0Net charge-offs
$892Cash dividends
$3Sale, conversion, retirement of capital stock, net
$750Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.21%Yield on earning assets
0.82%Cost of funding earning assets
3.38%Net interest margin
2.16%Noninterest income to earning assets
3.33%Noninterest expense to earning assets
1.93%Net operating income to assets
1.93%Return on assets (ROA)
1.97%Pretax return on assets
20.84%Return on equity (ROE)
3.32%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
303.67%Efficiency ratio
60,026Assets per employee
3.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.08%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
153.23%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.75%Net loans and leases to deposits
61.17%Net loans and leases to core deposits
70.68%Equity capital to assets
9.73%Core capital (leverage) ratio
10.01%Tier 1 risk-based capital ratio
14.10%Total risk-based capital ratio
Memoranda
$15Average assets
$46,225Average earning assets
$4,280Average equity
$41,089Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6291
Nebraska State Bank
218 Main Street, Oshkosh, NE 69154
June 21, 1921
Full Service Brick and Mortar
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