FDIC Certificate #: 30395 Status: Active Federal Reserve ID: 389376 Date Established: January 01, 1904 WWW:http://www.tecfedbank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 5275 FDIC's unique #: 43229 Numeric code: 34 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 02, 1958 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 160 N 4th Street, Tecumseh, NE 68450 County: Johnson 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
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $55.4 mil Equity capital: $8.3 mil Deposits held in domestic offices: $46.1 mil Return on assets (ROA): 0.66% ($0.4 mil) Quarterly return on assets: 0.63% ($0.3 mil) Return on Equity (ROE): 4.53% ($0.4 mil) Quarterly return on equity: 4.21% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.94% ($520.7 mil) Quarterly Pretax return on assets: 0.69% ($382.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
10Total employees (full-time equivalent)
$55,393Total assets
$6,112Cash and due from depository institutions
$6,054Interest-bearing balances
$14,341Securities
$0Federal funds sold & reverse repurchase agreements
$32,222Net loans & leases
$309Loan loss allowance
$0Trading account assets
$137Bank premises and fixed assets
$0Other real estate owned
$10Goodwill and other intangibles
$55,393Life insurance assets
$2,571All other assets
$47,118Total liabilities and capital
$46,076Total liabilities
$45,777Total deposits
$46,076Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$508Trading liabilities
$0Other borrowed funds
$534Subordinated debt
$8,275All other liabilities
$8,275Total equity capital
$8,275Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$8,275Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$936Income earned, not collected on loans
$0Earning assets
$232Long-term assets (5+ years)
$52,617Average Assets, year-to-date
$0Average Assets, quarterly
$55,284Volatile liabilities
$55,507Insider loans
$24,245FHLB advances
$55,115Loans and leases held for sale
$1,775Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,827Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$622Restructured Loans and leases
$632Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,315Total interest income
$793Total interest expense
$1,522Net interest income
$5Provision for loan and lease losses
$328Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$328Additional noninterest income
$1,326Total noninterest expense
$769Salaries and employee benefits
$221Premises and equipment expense
$336Additional noninterest expense
$519Pre-tax net operating income
$0Securities gains (losses)
$152Applicable income taxes
$367Income before extraordinary items
$0Extraordinary gains - net
$367Net income attributable to bank
$0Net charge-offs
$367Cash dividends
$15Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
1.54%Cost of funding earning assets
2.95%Net interest margin
0.64%Noninterest income to earning assets
2.57%Noninterest expense to earning assets
0.66%Net operating income to assets
0.66%Return on assets (ROA)
0.94%Pretax return on assets
4.53%Return on equity (ROE)
4.53%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
33.33%Credit loss provision to net charge-offs
34.93%Efficiency ratio
71,459Assets per employee
5.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
33.01%Noncurrent assets plus other real estate owned to assets
1.69%Noncurrent loans to loans
2.88%Net loans and leases to deposits
69.93%Net loans and leases to core deposits
72.97%Equity capital to assets
14.94%Core capital (leverage) ratio
14.20%Tier 1 risk-based capital ratio
32.28%Total risk-based capital ratio
Memoranda
$34Average assets
$55,284Average earning assets
$8,106Average equity
$51,565Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43229
Tecumseh Federal Bank
160 N 4th Street, Tecumseh, NE 68450
January 01, 1904
Full Service Brick and Mortar
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