FDIC Certificate #: 14026 Status: Active Federal Reserve ID: 711753 Bank Holding Company (Regulatory Top Holder): Scribner Banshares, Inc. (RSSDID: 1056143, Location: Scribner, NE) Date Established: August 17, 1917 WWW:http://www.scribnerbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8767 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: March 09, 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: 400 Main Street, Scribner, NE 68057 County: Dodge 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 Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420) Core Based Statistical Area (CBSA): Fremont, NE (#23340) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $63.2 mil Equity capital: $6.8 mil Deposits held in domestic offices: $55.8 mil Return on assets (ROA): 0.96% ($0.6 mil) Quarterly return on assets: 0.91% ($0.6 mil) Return on Equity (ROE): 8.74% ($0.6 mil) Quarterly return on equity: 8.30% ($0.6 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.48% ($935.3 mil) Quarterly Pretax return on assets: 1.38% ($872.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$63,198Total assets
$8,649Cash and due from depository institutions
$2,215Interest-bearing balances
$11,094Securities
$3,686Federal funds sold & reverse repurchase agreements
$37,557Net loans & leases
$650Loan loss allowance
$0Trading account assets
$247Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$63,198Life insurance assets
$1,965All other assets
$56,388Total liabilities and capital
$55,847Total liabilities
$36,073Total deposits
$55,847Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$200Trading liabilities
$0Other borrowed funds
$341Subordinated debt
$6,810All other liabilities
$6,810Total equity capital
$6,810Total bank equity capital
$0Perpetual preferred stock
$450Common stock
$5,150Surplus
$1,210Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$469Income earned, not collected on loans
$0Earning assets
$562Long-term assets (5+ years)
$54,552Average Assets, year-to-date
$1,682Average Assets, quarterly
$60,433Volatile liabilities
$61,809Insider loans
$44,352FHLB advances
$60,938Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,766Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,491Restructured Loans and leases
$1,206Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,070Total interest income
$169Total interest expense
$1,901Net interest income
$0Provision for loan and lease losses
$2,026Total noninterest income
$0Fiduciary activities
$116Service charges on deposit accounts
$0Trading account gains & fees
$1,910Additional noninterest income
$3,035Total noninterest expense
$1,211Salaries and employee benefits
$124Premises and equipment expense
$1,700Additional noninterest expense
$892Pre-tax net operating income
$0Securities gains (losses)
$312Applicable income taxes
$580Income before extraordinary items
$0Extraordinary gains - net
$580Net income attributable to bank
$0Net charge-offs
$580Cash dividends
$6Sale, conversion, retirement of capital stock, net
$423Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.70%Yield on earning assets
0.30%Cost of funding earning assets
3.40%Net interest margin
3.62%Noninterest income to earning assets
5.43%Noninterest expense to earning assets
0.96%Net operating income to assets
0.96%Return on assets (ROA)
1.48%Pretax return on assets
8.74%Return on equity (ROE)
2.37%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
148.67%Efficiency ratio
77,285Assets per employee
4.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.93%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
138.59%Noncurrent assets plus other real estate owned to assets
0.74%Noncurrent loans to loans
1.23%Net loans and leases to deposits
67.25%Net loans and leases to core deposits
67.86%Equity capital to assets
10.78%Core capital (leverage) ratio
11.10%Tier 1 risk-based capital ratio
15.26%Total risk-based capital ratio
Memoranda
$17Average assets
$60,433Average earning assets
$6,635Average equity
$55,895Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8767
Scribner Bank
400 Main Street, Scribner, NE 68057
August 17, 1917
Full Service Brick and Mortar
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