St. Paul National Bank in St. Paul, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1996

St. Paul National Bank in St. Paul, Nebraska (NE)
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St. Paul National Bank - Overview

General
FDIC Certificate #: 5470
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Homestead Bank (#11482)
Federal Reserve ID: 740052
Date Established: January 01, 1879
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 3704
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 01, 1996
Last Structure Change Process Date: July 01, 1996
Last Data Update: July 01, 1996
Data Source Date: April 05, 2012
Location
Address: 619 Grand Street, St. Paul, NE 68873
County: Howard
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
Financial Summary
Total assets: $30.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$30,461Cash and due from depository institutions
$1,940Interest-bearing balances
$497Securities
$15,641Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$11,923Loan loss allowance
$213Trading account assets
$0Bank premises and fixed assets
$155Other real estate owned
$173Goodwill and other intangibles
$622Life insurance assets
$7All other assets
$0Total liabilities and capital
$30,461Total liabilities
$27,958Total deposits
$26,947Interest-bearing deposits
$24,970Deposits held in domestic offices
26947.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$800Trading liabilities
$0Other borrowed funds
$19Subordinated debt
$0All other liabilities
$192Total equity capital
$192Total bank equity capital
$2,503Perpetual preferred stock
$0Common stock
$200Surplus
$200Undivided profits
Memoranda
$2,103Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$355Earning assets
$28,061Long-term assets (5+ years)
$3,703Average Assets, year-to-date
$29,571Average Assets, quarterly
$29,644Volatile liabilities
$2,383Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,490Total risk weighted assets
$16,787Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,094Total interest expense
$1,125Net interest income
$969Provision for loan and lease losses
$0Total noninterest income
$66Fiduciary activities
$0Service charges on deposit accounts
$55Trading account gains & fees
$0Additional noninterest income
$11Total noninterest expense
$672Salaries and employee benefits
$406Premises and equipment expense
$75Additional noninterest expense
$191Pre-tax net operating income
$363Securities gains (losses)
$9Applicable income taxes
$81Income before extraordinary items
$291Extraordinary gains - net
$0Net income attributable to bank
$291Net charge-offs
$0Cash dividends
$750Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.58%Cost of funding earning assets
4.07%Net interest margin
3.51%Noninterest income to earning assets
0.24%Noninterest expense to earning assets
2.43%Net operating income to assets
0.96%Return on assets (ROA)
0.98%Pretax return on assets
1.26%Return on equity (ROE)
11.08%Retained earnings to average equity (YTD only)
-17.48%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,638Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
257.73%Loss allowance to loans
1.76%Loss allowance to noncurrent loans
21300.00%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.01%Net loans and leases to deposits
44.25%Net loans and leases to core deposits
46.97%Equity capital to assets
8.22%Core capital (leverage) ratio
8.45%Tier 1 risk-based capital ratio
14.83%Total risk-based capital ratio
Memoranda
$16Average assets
$29,571Average earning assets
$2,626Average equity
$27,611Average loans

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