The First National Bank of Bayard in Bayard, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 15, 1995

  • The First National Bank of Bayard in Bayard, Nebraska (NE)
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The First National Bank of Bayard - Overview

  • General
  • FDIC Certificate #: 5381
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Gering State Bank and Trust Company (#27303)
    Federal Reserve ID: 985152
    Date Established: January 01, 1910
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 3631
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 15, 1995
    Last Structure Change Process Date: June 27, 1995
    Last Data Update: June 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Bayard, NE 69334
    County: Morrill
    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: $11.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $9Total assets
  • $11,464Cash and due from depository institutions
  • $828Interest-bearing balances
  • $100Securities
  • $3,010Federal funds sold & reverse repurchase agreements
  • $550Net loans & leases
  • $6,336Loan loss allowance
  • $227Trading account assets
  • $0Bank premises and fixed assets
  • $56Other real estate owned
  • $285Goodwill and other intangibles
  • $399Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $11,464Total liabilities
  • $10,769Total deposits
  • $10,707Interest-bearing deposits
  • $9,205Deposits held in domestic offices
  • 10707.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $62Total equity capital
  • $62Total bank equity capital
  • $695Perpetual preferred stock
  • $0Common stock
  • $195Surplus
  • $195Undivided profits
  • Memoranda
  • $305Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $187Income earned, not collected on loans
  • $209Earning assets
  • $9,996Long-term assets (5+ years)
  • $415Average Assets, year-to-date
  • $12,564Average Assets, quarterly
  • $11,815Volatile liabilities
  • $746Insider loans
  • $66FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,152Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $696Total risk weighted assets
  • $7,067Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $912Total interest expense
  • $379Net interest income
  • $533Provision for loan and lease losses
  • $511Total noninterest income
  • $190Fiduciary activities
  • $0Service charges on deposit accounts
  • $50Trading account gains & fees
  • $0Additional noninterest income
  • $140Total noninterest expense
  • $596Salaries and employee benefits
  • $315Premises and equipment expense
  • $59Additional noninterest expense
  • $222Pre-tax net operating income
  • -$384Securities gains (losses)
  • $0Applicable income taxes
  • -$144Income before extraordinary items
  • -$240Extraordinary gains - net
  • $0Net income attributable to bank
  • -$240Net charge-offs
  • $404Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.17%Cost of funding earning assets
  • 3.40%Net interest margin
  • 4.78%Noninterest income to earning assets
  • 1.70%Noninterest expense to earning assets
  • 5.34%Net operating income to assets
  • -1.91%Return on assets (ROA)
  • -1.91%Pretax return on assets
  • -3.06%Return on equity (ROE)
  • -33.28%Retained earnings to average equity (YTD only)
  • -33.28%Net charge-offs to loans
  • 5.20%Credit loss provision to net charge-offs
  • 126.49%Efficiency ratio
  • 82,434Assets per employee
  • 1.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.46%Loss allowance to noncurrent loans
  • 121.39%Noncurrent assets plus other real estate owned to assets
  • 4.12%Noncurrent loans to loans
  • 2.85%Net loans and leases to deposits
  • 59.18%Net loans and leases to core deposits
  • 63.61%Equity capital to assets
  • 6.06%Core capital (leverage) ratio
  • 5.82%Tier 1 risk-based capital ratio
  • 9.85%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $12,564Average earning assets
  • $721Average equity
  • $11,156Average loans

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