Nebraska State Bank and Trust Company in city_name, state_name

Nebraska State Bank and Trust Company in Broken Bow, Nebraska (NE)
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Nebraska State Bank and Trust Company routing number info

Nebraska State Bank and Trust Company - Overview

General
FDIC Certificate #: 8322
Status: Active
Federal Reserve ID: 412153
Bank Holding Company (Regulatory Top Holder): First Central Nebraska Co. (RSSDID: 1051072, Location: Broken Bow, NE)
Date Established: Febuary 23, 1917
WWW: http://www.nesb.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 52873
FDIC's unique #: 5311
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: January 31, 2008
Last Structure Change Process Date: Febuary 19, 2008
Last Data Update: Febuary 19, 2008
Data Source Date: April 05, 2012
Location
Address: 945 South D Street, Broken Bow, NE 68822
County: Custer
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
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $176.4 mil
Equity capital: $18.2 mil
Deposits held in domestic offices: $156.6 mil
Return on assets (ROA): 1.59% ($2.8 mil)
Quarterly return on assets: 1.57% ($2.8 mil)
Return on Equity (ROE): 14.22% ($2.6 mil)
Quarterly return on equity: 14.47% ($2.6 mil)
Net income: $2.5 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.63% ($2,875.0 mil)
Quarterly Pretax return on assets: 1.62% ($2,857.3 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
33Total employees (full-time equivalent)
$176,379Total assets
$7,548Cash and due from depository institutions
$2,205Interest-bearing balances
$16,209Securities
$8,800Federal funds sold & reverse repurchase agreements
$136,819Net loans & leases
$920Loan loss allowance
$0Trading account assets
$2,336Bank premises and fixed assets
$36Other real estate owned
$1,071Goodwill and other intangibles
$176,379Life insurance assets
$3,560All other assets
$158,184Total liabilities and capital
$156,550Total liabilities
$121,868Total deposits
$156,550Interest-bearing deposits
$87Deposits held in domestic offices
1083.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$147Trading liabilities
$0Other borrowed funds
$404Subordinated debt
$18,195All other liabilities
$18,195Total equity capital
$18,195Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$13,900Surplus
$3,695Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$40Income earned, not collected on loans
$0Earning assets
$2,288Long-term assets (5+ years)
$164,033Average Assets, year-to-date
$35,920Average Assets, quarterly
$158,086Volatile liabilities
$167,930Insider loans
$148,160FHLB advances
$160,587Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,044Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$42,416Restructured Loans and leases
$749Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,443Total interest income
$1,463Total interest expense
$5,980Net interest income
$70Provision for loan and lease losses
$505Total noninterest income
$13Fiduciary activities
$257Service charges on deposit accounts
$0Trading account gains & fees
$235Additional noninterest income
$3,934Total noninterest expense
$2,294Salaries and employee benefits
$656Premises and equipment expense
$984Additional noninterest expense
$2,481Pre-tax net operating income
$100Securities gains (losses)
$64Applicable income taxes
$2,517Income before extraordinary items
$0Extraordinary gains - net
$2,517Net income attributable to bank
$0Net charge-offs
$2,517Cash dividends
$20Sale, conversion, retirement of capital stock, net
$1,422Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
0.99%Cost of funding earning assets
4.05%Net interest margin
0.34%Noninterest income to earning assets
2.67%Noninterest expense to earning assets
1.53%Net operating income to assets
1.59%Return on assets (ROA)
1.63%Pretax return on assets
14.22%Return on equity (ROE)
6.18%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
350.00%Credit loss provision to net charge-offs
127.55%Efficiency ratio
60,663Assets per employee
5.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.50%Loss allowance to loans
0.67%Loss allowance to noncurrent loans
2300.00%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.03%Net loans and leases to deposits
87.40%Net loans and leases to core deposits
103.82%Equity capital to assets
10.32%Core capital (leverage) ratio
10.61%Tier 1 risk-based capital ratio
11.50%Total risk-based capital ratio
Memoranda
$12Average assets
$158,086Average earning assets
$17,706Average equity
$147,531Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,310Managed Assets
1Number of Accounts
$1,310Personal trust and agency accounts
$1,310Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
11Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

6 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5311	Nebraska State Bank And Trust Compan	945 South D Street, Broken Bow, NE 68822	Febuary 23, 1917	Full Service Brick and Mortar
1	15790	Merna Branch	Center Avenue And Highway 92, Merna, NE 68856	April 15, 1978	Full Service Brick and Mortar
2	7065	Oconto Branch	101 N. Grand Avenue, Oconto, NE 68860	August 01, 1905	Full Service Brick and Mortar
3	950	Mason City Branch	Main Street, Mason City, NE 68855	August 04, 1924	Full Service Brick and Mortar
4	505473	Callaway Branch	108 North Grand Avenue, Callaway, NE 68825	Febuary 09, 2010	Full Service Brick and Mortar
5	526145	Nebraska State Bank & Trust Company	538 East South E Street, Broken Bow, NE 68822	October 13, 2011	Full Service Brick and Mortar

Nebraska State Bank and Trust Company in Broken Bow, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Nebraska State Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Nebraska State Bank and Trust Company in Broken Bow, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Nebraska State Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Nebraska State Bank and Trust Company in Broken Bow, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches