Saline State Bank in Wilber, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 15, 2007

Saline State Bank in Wilber, Nebraska (NE)
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Saline State Bank - Overview

General
FDIC Certificate #: 14516
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First State Bank (#13868)
Federal Reserve ID: 481551
Date Established: January 01, 1883
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 7 (Interstate: No)
OTS Docket #: 15904
FDIC's unique #: 9070
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: June 26, 1934
Last Structure Change Effective Date: September 15, 2007
Last Structure Change Process Date: September 24, 2007
Last Data Update: September 24, 2007
Data Source Date: April 05, 2012
Location
Address: 203 West Third, Wilber, NE 68465
County: Saline
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Omaha
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Financial Summary
Total assets: $103.2 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, 2006)

Dollar figures in thousands
27Total employees (full-time equivalent)
$105,012Total assets
$5,950Cash and due from depository institutions
$0Interest-bearing balances
$7,576Securities
$0Federal funds sold & reverse repurchase agreements
$82,354Net loans & leases
$849Loan loss allowance
$0Trading account assets
$1,726Bank premises and fixed assets
$46Other real estate owned
$4,442Goodwill and other intangibles
$0Life insurance assets
$2,918All other assets
$105,012Total liabilities and capital
$93,677Total liabilities
$77,220Total deposits
$68,903Interest-bearing deposits
$77,220Deposits held in domestic offices
0.00%% insured (estimated)
$1,405Federal funds purchased & repurchase agreements
$0Trading liabilities
$14,577Other borrowed funds
$0Subordinated debt
$475All other liabilities
$11,335Total equity capital
$11,335Total bank equity capital
$11,335Perpetual preferred stock
$0Common stock
$366Surplus
$9,034Undivided profits
Memoranda
$1,935Noncurrent loans and leases
$8,412Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$499Earning assets
$0Long-term assets (5+ years)
$1,458Average Assets, year-to-date
$89,930Average Assets, quarterly
$5,806Volatile liabilities
$100,483Insider loans
$104,200FHLB advances
$10,578Loans and leases held for sale
$2,562Unused loan commitments
$14,577Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,412Total unused commitments
$0Restructured Loans and leases
$849Derivatives

Income and Expense (December 31, 2006)

Dollar figures in thousands
$6,303Total interest income
$2,730Total interest expense
$3,573Net interest income
$155Provision for loan and lease losses
$381Total noninterest income
$0Fiduciary activities
$345Service charges on deposit accounts
$0Trading account gains & fees
$36Additional noninterest income
$2,270Total noninterest expense
$1,227Salaries and employee benefits
$259Premises and equipment expense
$784Additional noninterest expense
$1,529Pre-tax net operating income
$0Securities gains (losses)
$513Applicable income taxes
$1,016Income before extraordinary items
$0Extraordinary gains - net
$1,016Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$61Sale, conversion, retirement of capital stock, net
$829Net operating income

Performance and Condition Ratios (December 31, 2006)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.15%Yield on earning assets
3.10%Cost of funding earning assets
4.05%Net interest margin
0.43%Noninterest income to earning assets
2.57%Noninterest expense to earning assets
1.01%Net operating income to assets
1.01%Return on assets (ROA)
1.52%Pretax return on assets
9.16%Return on equity (ROE)
1.69%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
254.10%Credit loss provision to net charge-offs
27.61%Efficiency ratio
57,309Assets per employee
3.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.59%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
170.14%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.60%Net loans and leases to deposits
106.65%Net loans and leases to core deposits
118.84%Equity capital to assets
10.79%Core capital (leverage) ratio
7.08%Tier 1 risk-based capital ratio
9.31%Total risk-based capital ratio
Memoranda
$10Average assets
$100,483Average earning assets
$11,094Average equity
$88,192Average loans

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