FDIC Certificate #: 10635 Status: Active Federal Reserve ID: 384353 Bank Holding Company (Regulatory Top Holder): Steinauer Bancorp (RSSDID: 2847665, Location: Steinauer, NE) Date Established: June 28, 1888 WWW:http://www.bankofsteinauer.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6818 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: January 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: 215 Main St, Steinauer, NE 68441 County: Pawnee 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 Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $10.5 mil Equity capital: $0.9 mil Deposits held in domestic offices: $9.6 mil Return on assets (ROA): 0.31% ($0.0 mil) Quarterly return on assets: -4.21% (-$0.5 mil) Return on Equity (ROE): 3.46% ($0.0 mil) Quarterly return on equity: -45.28% (-$0.5 mil) Net income: $0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.35% ($36.9 mil) Quarterly Pretax return on assets: -4.18% (-$440.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$10,545Total assets
$2,003Cash and due from depository institutions
$1,450Interest-bearing balances
$1,274Securities
$0Federal funds sold & reverse repurchase agreements
$6,966Net loans & leases
$108Loan loss allowance
$0Trading account assets
$24Bank premises and fixed assets
$34Other real estate owned
$0Goodwill and other intangibles
$10,545Life insurance assets
$244All other assets
$9,620Total liabilities and capital
$9,608Total liabilities
$7,542Total deposits
$9,608Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$12Subordinated debt
$925All other liabilities
$925Total equity capital
$925Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$760Surplus
$125Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$99Long-term assets (5+ years)
$9,690Average Assets, year-to-date
$1,117Average Assets, quarterly
$10,687Volatile liabilities
$10,538Insider loans
$7,291FHLB advances
$10,648Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$925Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,140Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$522Total interest income
$69Total interest expense
$453Net interest income
$3Provision for loan and lease losses
$72Total noninterest income
$0Fiduciary activities
$66Service charges on deposit accounts
$0Trading account gains & fees
$6Additional noninterest income
$485Total noninterest expense
$317Salaries and employee benefits
$26Premises and equipment expense
$142Additional noninterest expense
$37Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$33Income before extraordinary items
$0Extraordinary gains - net
$33Net income attributable to bank
$0Net charge-offs
$33Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.43%Yield on earning assets
0.72%Cost of funding earning assets
4.71%Net interest margin
0.75%Noninterest income to earning assets
5.04%Noninterest expense to earning assets
0.31%Net operating income to assets
0.31%Return on assets (ROA)
0.35%Pretax return on assets
3.46%Return on equity (ROE)
3.46%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
300.00%Credit loss provision to net charge-offs
40.00%Efficiency ratio
92,381Assets per employee
2.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.32%Noncurrent loans to loans
0.00%Net loans and leases to deposits
72.50%Net loans and leases to core deposits
76.00%Equity capital to assets
8.77%Core capital (leverage) ratio
8.69%Tier 1 risk-based capital ratio
12.69%Total risk-based capital ratio
Memoranda
$14Average assets
$10,687Average earning assets
$954Average equity
$9,617Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6818
The Bank Of Steinauer
215 Main St, Steinauer, NE 68441
June 28, 1888
Full Service Brick and Mortar
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