FDIC Certificate #: 14069 Status: Active Federal Reserve ID: 926650 Date Established: January 01, 1934 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 #: 8794 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: April 01, 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: 104 S Main St, Scotia, NE 68875 County: Greeley 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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $28.0 mil Equity capital: $7.5 mil Deposits held in domestic offices: $20.1 mil Return on assets (ROA): 0.48% ($0.1 mil) Quarterly return on assets: 1.11% ($0.3 mil) Return on Equity (ROE): 1.81% ($0.1 mil) Quarterly return on equity: 4.10% ($0.3 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.74% ($207.1 mil) Quarterly Pretax return on assets: 1.68% ($470.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$27,993Total assets
$1,041Cash and due from depository institutions
$394Interest-bearing balances
$4,776Securities
$0Federal funds sold & reverse repurchase agreements
$21,215Net loans & leases
$258Loan loss allowance
$0Trading account assets
$178Bank premises and fixed assets
$28Other real estate owned
$0Goodwill and other intangibles
$27,993Life insurance assets
$755All other assets
$20,450Total liabilities and capital
$20,125Total liabilities
$16,290Total deposits
$20,125Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$325Subordinated debt
$7,543All other liabilities
$7,543Total equity capital
$7,543Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$650Surplus
$6,643Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,857Income earned, not collected on loans
$0Earning assets
$526Long-term assets (5+ years)
$26,385Average Assets, year-to-date
$4,745Average Assets, quarterly
$28,056Volatile liabilities
$27,868Insider loans
$23,762FHLB advances
$28,431Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,524Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,577Restructured Loans and leases
$90Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,366Total interest income
$235Total interest expense
$1,131Net interest income
$375Provision for loan and lease losses
$101Total noninterest income
$0Fiduciary activities
$81Service charges on deposit accounts
$0Trading account gains & fees
$20Additional noninterest income
$648Total noninterest expense
$380Salaries and employee benefits
$91Premises and equipment expense
$177Additional noninterest expense
$209Pre-tax net operating income
$0Securities gains (losses)
$74Applicable income taxes
$135Income before extraordinary items
$0Extraordinary gains - net
$135Net income attributable to bank
$0Net charge-offs
$135Cash dividends
$658Sale, conversion, retirement of capital stock, net
$25Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
0.88%Cost of funding earning assets
4.24%Net interest margin
0.38%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
0.48%Net operating income to assets
0.48%Return on assets (ROA)
0.74%Pretax return on assets
1.81%Return on equity (ROE)
1.48%Retained earnings to average equity (YTD only)
3.09%Net charge-offs to loans
56.99%Credit loss provision to net charge-offs
0.89%Efficiency ratio
52,597Assets per employee
5.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.52%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
9.03%Noncurrent assets plus other real estate owned to assets
10.31%Noncurrent loans to loans
13.31%Net loans and leases to deposits
105.42%Net loans and leases to core deposits
107.35%Equity capital to assets
26.95%Core capital (leverage) ratio
26.46%Tier 1 risk-based capital ratio
31.66%Total risk-based capital ratio
Memoranda
$33Average assets
$28,056Average earning assets
$7,443Average equity
$26,660Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8794
State Bank Of Scotia
104 S Main St, Scotia, NE 68875
January 01, 1934
Full 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 State Bank of Scotia.
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.
Comment about this bank, ask questions, or add new information about it: