The Commercial Bank in Blue Hill, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2003

The Commercial Bank in Blue Hill, Nebraska (NE)
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The Commercial Bank - Overview

General
FDIC Certificate #: 10636
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: South Central State Bank (#16707)
Federal Reserve ID: 533955
Date Established: August 10, 1905
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 6819
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 01, 2003
Last Structure Change Process Date: April 14, 2003
Last Data Update: April 14, 2003
Data Source Date: April 05, 2012
Location
Address: Main Street, Blue Hill, NE 68930
County: Webster
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
Financial Summary
Total assets: $40.0 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, 2002)

Dollar figures in thousands
9Total employees (full-time equivalent)
$39,337Total assets
$4,533Cash and due from depository institutions
$2,576Interest-bearing balances
$4,110Securities
$0Federal funds sold & reverse repurchase agreements
$27,964Net loans & leases
$311Loan loss allowance
$0Trading account assets
$57Bank premises and fixed assets
$225Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,448All other assets
$39,337Total liabilities and capital
$34,557Total liabilities
$33,425Total deposits
$30,215Interest-bearing deposits
$33,425Deposits held in domestic offices
0.00%% insured (estimated)
$372Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$760All other liabilities
$4,780Total equity capital
$4,780Total bank equity capital
$4,780Perpetual preferred stock
$0Common stock
$300Surplus
$1,300Undivided profits
Memoranda
$3,180Noncurrent loans and leases
$2,436Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$147Earning assets
$134Long-term assets (5+ years)
$940Average Assets, year-to-date
$34,650Average Assets, quarterly
$1,788Volatile liabilities
$39,586Insider loans
$39,579FHLB advances
$2,064Loans and leases held for sale
$217Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,436Total unused commitments
$146Restructured Loans and leases
$311Derivatives

Income and Expense (December 31, 2002)

Dollar figures in thousands
$2,394Total interest income
$1,051Total interest expense
$1,343Net interest income
$0Provision for loan and lease losses
$191Total noninterest income
$0Fiduciary activities
$97Service charges on deposit accounts
$0Trading account gains & fees
$94Additional noninterest income
$996Total noninterest expense
$581Salaries and employee benefits
$70Premises and equipment expense
$345Additional noninterest expense
$538Pre-tax net operating income
$0Securities gains (losses)
$163Applicable income taxes
$375Income before extraordinary items
$0Extraordinary gains - net
$375Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$20Sale, conversion, retirement of capital stock, net
$40Net operating income

Performance and Condition Ratios (December 31, 2002)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.72%Yield on earning assets
2.95%Cost of funding earning assets
3.77%Net interest margin
0.54%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
0.95%Net operating income to assets
0.95%Return on assets (ROA)
1.36%Pretax return on assets
8.16%Return on equity (ROE)
7.29%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
26.90%Efficiency ratio
64,928Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.67%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
211.56%Noncurrent assets plus other real estate owned to assets
0.95%Noncurrent loans to loans
0.52%Net loans and leases to deposits
83.66%Net loans and leases to core deposits
88.12%Equity capital to assets
12.15%Core capital (leverage) ratio
11.89%Tier 1 risk-based capital ratio
16.13%Total risk-based capital ratio
Memoranda
$17Average assets
$39,586Average earning assets
$4,598Average equity
$35,619Average loans

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