FDIC Certificate #: 13723 Status: Active Federal Reserve ID: 158750 Bank Holding Company (Regulatory Top Holder): Hildreth State Company, Inc. (RSSDID: 1056545, Location: Hildreth, NE) Date Established: May 15, 1906 WWW:http://www.statebankofhildreth.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 53297 FDIC's unique #: 8578 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: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 22, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: June 16, 2010 Last Data Update: June 16, 2010 Data Source Date: April 05, 2012
Location
Address: 133 Commercial Avenue St, Hildreth, NE 68947 County: Franklin 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
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Location
Financial Summary
Total assets: $26.4 mil Equity capital: $3.1 mil Deposits held in domestic offices: $21.7 mil Return on assets (ROA): 0.59% ($0.2 mil) Quarterly return on assets: 0.63% ($0.2 mil) Return on Equity (ROE): 5.13% ($0.2 mil) Quarterly return on equity: 5.23% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.62% ($163.6 mil) Quarterly Pretax return on assets: 0.66% ($174.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$26,391Total assets
$1,842Cash and due from depository institutions
$34Interest-bearing balances
$1,013Securities
$4,200Federal funds sold & reverse repurchase agreements
$17,306Net loans & leases
$386Loan loss allowance
$0Trading account assets
$205Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$26,391Life insurance assets
$1,825All other assets
$23,287Total liabilities and capital
$21,723Total liabilities
$16,604Total deposits
$21,723Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,500Trading liabilities
$0Other borrowed funds
$64Subordinated debt
$3,104All other liabilities
$3,104Total equity capital
$3,104Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,200Surplus
$704Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$411Income earned, not collected on loans
$0Earning assets
$386Long-term assets (5+ years)
$22,553Average Assets, year-to-date
$1,171Average Assets, quarterly
$26,909Volatile liabilities
$26,093Insider loans
$21,587FHLB advances
$26,162Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,087Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,048Restructured Loans and leases
$124Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,151Total interest income
$240Total interest expense
$911Net interest income
$0Provision for loan and lease losses
$36Total noninterest income
$0Fiduciary activities
$29Service charges on deposit accounts
$0Trading account gains & fees
$7Additional noninterest income
$780Total noninterest expense
$526Salaries and employee benefits
$49Premises and equipment expense
$205Additional noninterest expense
$167Pre-tax net operating income
$0Securities gains (losses)
$7Applicable income taxes
$160Income before extraordinary items
$0Extraordinary gains - net
$160Net income attributable to bank
$0Net charge-offs
$160Cash dividends
$26Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.76%Yield on earning assets
0.99%Cost of funding earning assets
3.77%Net interest margin
0.15%Noninterest income to earning assets
3.23%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.62%Pretax return on assets
5.13%Return on equity (ROE)
0.32%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
6.42%Efficiency ratio
82,365Assets per employee
3.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
93.75%Loss allowance to loans
2.18%Loss allowance to noncurrent loans
93.92%Noncurrent assets plus other real estate owned to assets
1.56%Noncurrent loans to loans
2.32%Net loans and leases to deposits
79.67%Net loans and leases to core deposits
84.41%Equity capital to assets
11.76%Core capital (leverage) ratio
11.80%Tier 1 risk-based capital ratio
14.30%Total risk-based capital ratio
Memoranda
$16Average assets
$26,909Average earning assets
$3,121Average equity
$24,163Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8578
The State Bank Of Hildreth
133 Commercial Avenue St, Hildreth, NE 68947
May 15, 1906
Full Service Brick and Mortar
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