Peoples-Webster County Bank in Red Cloud, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples-Webster County Bank in Red Cloud, Nebraska (NE)
  • Show street view No street view available for this location
Peoples-Webster County Bank routing number info

Peoples-Webster County Bank - Overview

  • General
  • FDIC Certificate #: 14326
    Status: Active
    Federal Reserve ID: 737753
    Bank Holding Company (Regulatory Top Holder): Peoples Bancorp. (RSSDID: 3137073, Location: Red Cloud, NE)
    Date Established: October 01, 1893
    WWW: http://www.pwcbanks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8950
    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: May 03, 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: 126 West Fourth Street, Red Cloud, NE 68970
    County: Webster
    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: $68.0 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $48.8 mil
    Return on assets (ROA): 1.67% ($1.1 mil)
    Quarterly return on assets: 1.38% ($0.9 mil)
    Return on Equity (ROE): 5.85% ($1.1 mil)
    Quarterly return on equity: 4.84% ($0.9 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 2.37% ($1,612.5 mil)
    Quarterly Pretax return on assets: 2.02% ($1,374.4 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
  • 13Total employees (full-time equivalent)
  • $68,038Total assets
  • $8,837Cash and due from depository institutions
  • $5,103Interest-bearing balances
  • $19,405Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $38,294Net loans & leases
  • $498Loan loss allowance
  • $0Trading account assets
  • $129Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $68,038Life insurance assets
  • $1,373All other assets
  • $49,349Total liabilities and capital
  • $48,789Total liabilities
  • $33,986Total deposits
  • $48,789Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $560Subordinated debt
  • $18,689All other liabilities
  • $18,689Total equity capital
  • $18,689Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $2,500Surplus
  • $15,689Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $184Income earned, not collected on loans
  • $0Earning assets
  • $906Long-term assets (5+ years)
  • $62,802Average Assets, year-to-date
  • $19,914Average Assets, quarterly
  • $64,446Volatile liabilities
  • $65,808Insider loans
  • $54,696FHLB advances
  • $64,464Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,419Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,090Restructured Loans and leases
  • $1,155Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,877Total interest income
  • $286Total interest expense
  • $2,591Net interest income
  • $40Provision for loan and lease losses
  • $252Total noninterest income
  • $0Fiduciary activities
  • $138Service charges on deposit accounts
  • $0Trading account gains & fees
  • $114Additional noninterest income
  • $1,299Total noninterest expense
  • $875Salaries and employee benefits
  • $146Premises and equipment expense
  • $278Additional noninterest expense
  • $1,504Pre-tax net operating income
  • $25Securities gains (losses)
  • $454Applicable income taxes
  • $1,075Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,075Net income attributable to bank
  • $0Net charge-offs
  • $1,075Cash dividends
  • $171Sale, conversion, retirement of capital stock, net
  • $337Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.13%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.67%Return on assets (ROA)
  • 2.37%Pretax return on assets
  • 5.85%Return on equity (ROE)
  • 4.02%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 23.39%Credit loss provision to net charge-offs
  • 9.03%Efficiency ratio
  • 45,691Assets per employee
  • 5.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.35%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 270.65%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 78.49%Net loans and leases to core deposits
  • 78.49%Equity capital to assets
  • 27.47%Core capital (leverage) ratio
  • 28.57%Tier 1 risk-based capital ratio
  • 33.68%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $64,446Average earning assets
  • $18,370Average equity
  • $61,105Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08950Peoples-Webster County Bank126 West Fourth Street, Red Cloud, NE 68970October 01, 1893Full Service Brick and Mortar
    110790Peoples-Webster County Bank402 South Orleans Avenue, Orleans, NE 68966December 01, 1947Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples-Webster County Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents