Pathway Bank in city_name, state_name - Detailed Financial Reports, Location

Pathway Bank in Cairo, Nebraska (NE)
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Pathway Bank routing number info

Pathway Bank - Overview

General
FDIC Certificate #: 1992
Status: Active
Federal Reserve ID: 73554
Bank Holding Company (Regulatory Top Holder): Pathway Bancorp (RSSDID: 3304361, Location: Cairo, NE)
Date Established: January 01, 1910
WWW: http://www.pathwaybank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 53533
FDIC's unique #: 1338
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: January 01, 1934
Last Structure Change Effective Date: May 27, 2010
Last Structure Change Process Date: May 27, 2010
Last Data Update: May 27, 2010
Data Source Date: April 05, 2012
Location
Address: 306 High Street, Cairo, NE 68824
County: Hall
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
Core Based Statistical Area (CBSA): Grand Island, NE (#24260)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $141.0 mil
Equity capital: $15.9 mil
Deposits held in domestic offices: $117.4 mil
Return on assets (ROA): 0.27% ($0.4 mil)
Quarterly return on assets: 0.63% ($0.9 mil)
Return on Equity (ROE): 2.59% ($0.4 mil)
Quarterly return on equity: 5.60% ($0.9 mil)
Net income: $0.4 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.31% ($437.2 mil)
Quarterly Pretax return on assets: 0.91% ($1,283.3 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
46Total employees (full-time equivalent)
$141,022Total assets
$9,826Cash and due from depository institutions
$7,180Interest-bearing balances
$24,379Securities
$1,410Federal funds sold & reverse repurchase agreements
$95,294Net loans & leases
$2,430Loan loss allowance
$0Trading account assets
$1,666Bank premises and fixed assets
$1,469Other real estate owned
$620Goodwill and other intangibles
$141,022Life insurance assets
$6,358All other assets
$125,082Total liabilities and capital
$117,392Total liabilities
$103,973Total deposits
$117,392Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,553Trading liabilities
$0Other borrowed funds
$137Subordinated debt
$15,940All other liabilities
$15,940Total equity capital
$15,940Total bank equity capital
$3,727Perpetual preferred stock
$700Common stock
$6,442Surplus
$5,071Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,838Income earned, not collected on loans
$0Earning assets
$2,129Long-term assets (5+ years)
$128,263Average Assets, year-to-date
$22,980Average Assets, quarterly
$144,296Volatile liabilities
$141,678Insider loans
$109,396FHLB advances
$141,698Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,479Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,371Restructured Loans and leases
$105Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,479Total interest income
$1,763Total interest expense
$4,716Net interest income
$928Provision for loan and lease losses
$1,720Total noninterest income
$11Fiduciary activities
$353Service charges on deposit accounts
$0Trading account gains & fees
$1,356Additional noninterest income
$5,105Total noninterest expense
$2,967Salaries and employee benefits
$409Premises and equipment expense
$1,729Additional noninterest expense
$403Pre-tax net operating income
$50Securities gains (losses)
$58Applicable income taxes
$395Income before extraordinary items
$0Extraordinary gains - net
$395Net income attributable to bank
$0Net charge-offs
$395Cash dividends
$236Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.33%Cost of funding earning assets
3.57%Net interest margin
1.30%Noninterest income to earning assets
3.86%Noninterest expense to earning assets
0.24%Net operating income to assets
0.27%Return on assets (ROA)
0.31%Pretax return on assets
2.59%Return on equity (ROE)
2.59%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
393.22%Credit loss provision to net charge-offs
5.64%Efficiency ratio
79,319Assets per employee
3.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.49%Loss allowance to noncurrent loans
132.21%Noncurrent assets plus other real estate owned to assets
2.35%Noncurrent loans to loans
1.88%Net loans and leases to deposits
81.18%Net loans and leases to core deposits
86.78%Equity capital to assets
11.30%Core capital (leverage) ratio
9.51%Tier 1 risk-based capital ratio
12.32%Total risk-based capital ratio
Memoranda
$14Average assets
$144,296Average earning assets
$15,228Average equity
$132,205Average 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
$131Managed Assets
1Number of Accounts
$125Personal trust and agency accounts
$125Employee 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
$6Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1338	Pathway Bank	306 High Street, Cairo, NE 68824	January 01, 1910	Full Service Brick and Mortar
1	439928	Pathway Bank Branch	100 North 15th Street, Suite 2, Ord, NE 68862	Febuary 08, 2005	Full Service Brick and Mortar
2	452326	Pathway Bank Branch	817 H Street, Burwell, NE 68823	December 18, 2005	Full Service Brick and Mortar
3	469864	Pathway Bank Of Grand Island	3333 West State Street, Grand Island, NE 68803	November 14, 2007	Full Service Brick and Mortar

Pathway Bank in Cairo, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Pathway Bank - 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:

Pathway Bank in Cairo, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Pathway Bank - 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:

Pathway Bank in Cairo, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches