The First National Bank & Trust Company of Beatrice - Overview
General
FDIC Certificate #: 5382 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Security First Bank (#5415) Federal Reserve ID: 403553 Date Established: May 12, 1877 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 8 (Interstate: No) OTS Docket #: 11361 FDIC's unique #: 3632 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 05, 2008 Last Structure Change Process Date: October 01, 2008 Last Data Update: October 01, 2008 Data Source Date: April 05, 2012
Location
Address: 120 North Sixth Street, Beatrice, NE 68310 County: Gage 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 Core Based Statistical Area (CBSA): Beatrice, NE (#13100) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $169.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
59Total employees (full-time equivalent)
$172,841Total assets
$4,986Cash and due from depository institutions
$227Interest-bearing balances
$55,980Securities
$0Federal funds sold & reverse repurchase agreements
$94,243Net loans & leases
$771Loan loss allowance
$0Trading account assets
$8,130Bank premises and fixed assets
$0Other real estate owned
$1,202Goodwill and other intangibles
$3,800Life insurance assets
$8,300All other assets
$172,841Total liabilities and capital
$157,067Total liabilities
$138,975Total deposits
$121,171Interest-bearing deposits
$138,975Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$16,513Other borrowed funds
$0Subordinated debt
$1,579All other liabilities
$15,774Total equity capital
$15,774Total bank equity capital
$15,774Perpetual preferred stock
$0Common stock
$600Surplus
$4,006Undivided profits
Memoranda
$11,168Noncurrent loans and leases
$20,743Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$126Earning assets
$0Long-term assets (5+ years)
$1,789Average Assets, year-to-date
$150,450Average Assets, quarterly
$32,105Volatile liabilities
$169,059Insider loans
$170,877FHLB advances
$21,205Loans and leases held for sale
$1,676Unused loan commitments
$16,513Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$20,743Total unused commitments
$0Restructured Loans and leases
$771Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$9,545Total interest income
$4,794Total interest expense
$4,751Net interest income
$0Provision for loan and lease losses
$1,183Total noninterest income
$86Fiduciary activities
$532Service charges on deposit accounts
$0Trading account gains & fees
$565Additional noninterest income
$5,220Total noninterest expense
$3,023Salaries and employee benefits
$911Premises and equipment expense
$1,286Additional noninterest expense
$714Pre-tax net operating income
$97Securities gains (losses)
$209Applicable income taxes
$602Income before extraordinary items
$0Extraordinary gains - net
$602Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$25Sale, conversion, retirement of capital stock, net
$575Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.50%Yield on earning assets
3.27%Cost of funding earning assets
3.24%Net interest margin
0.81%Noninterest income to earning assets
3.56%Noninterest expense to earning assets
0.31%Net operating income to assets
0.36%Return on assets (ROA)
0.48%Pretax return on assets
3.92%Return on equity (ROE)
0.18%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
28.56%Efficiency ratio
87,968Assets per employee
2.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.51%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
611.90%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.13%Net loans and leases to deposits
67.81%Net loans and leases to core deposits
77.61%Equity capital to assets
9.13%Core capital (leverage) ratio
8.39%Tier 1 risk-based capital ratio
12.19%Total risk-based capital ratio
Memoranda
$13Average assets
$169,059Average earning assets
$15,342Average equity
$146,790Average loans
Total Fiduciary and Related Assets (December 31, 2007)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
The First National Bank & Trust Company of Beatrice
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