The State Bank of Stella in Stella, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1995

The State Bank of Stella in Stella, Nebraska (NE)
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The State Bank of Stella - Overview

General
FDIC Certificate #: 13412
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Richardson County Bank & Trust Company (#8598)
Federal Reserve ID: 473453
Date Established: Febuary 01, 1886
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 8446
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: January 01, 1995
Last Structure Change Process Date: January 25, 1995
Last Data Update: January 25, 1995
Data Source Date: April 05, 2012
Location
Address: Main Street, Stella, NE 68442
County: Richardson
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
Financial Summary
Total assets: $12.8 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$4Total assets
$12,793Cash and due from depository institutions
$568Interest-bearing balances
$297Securities
$5,723Federal funds sold & reverse repurchase agreements
$375Net loans & leases
$5,726Loan loss allowance
$545Trading account assets
$0Bank premises and fixed assets
$96Other real estate owned
$0Goodwill and other intangibles
$305Life insurance assets
$0All other assets
$0Total liabilities and capital
$12,793Total liabilities
$11,370Total deposits
$11,295Interest-bearing deposits
$10,229Deposits held in domestic offices
11295.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$75Total equity capital
$75Total bank equity capital
$1,423Perpetual preferred stock
$0Common stock
$200Surplus
$301Undivided profits
Memoranda
$922Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$145Earning assets
$12,121Long-term assets (5+ years)
$295Average Assets, year-to-date
$12,550Average Assets, quarterly
$12,466Volatile liabilities
$200Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$514Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,512Total risk weighted assets
$7,479Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$843Total interest expense
$370Net interest income
$473Provision for loan and lease losses
$0Total noninterest income
$64Fiduciary activities
$0Service charges on deposit accounts
$45Trading account gains & fees
$0Additional noninterest income
$19Total noninterest expense
$217Salaries and employee benefits
$95Premises and equipment expense
$30Additional noninterest expense
$92Pre-tax net operating income
$320Securities gains (losses)
$0Applicable income taxes
$97Income before extraordinary items
$223Extraordinary gains - net
$0Net income attributable to bank
$223Net charge-offs
-$55Cash dividends
$70Sale, 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
7.16%Cost of funding earning assets
3.14%Net interest margin
4.02%Noninterest income to earning assets
0.54%Noninterest expense to earning assets
1.84%Net operating income to assets
1.78%Return on assets (ROA)
1.78%Pretax return on assets
2.55%Return on equity (ROE)
16.11%Retained earnings to average equity (YTD only)
11.05%Net charge-offs to loans
-0.94%Credit loss provision to net charge-offs
0.00%Efficiency ratio
40,410Assets per employee
3.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.39%Loss allowance to loans
8.69%Loss allowance to noncurrent loans
54500.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
50.69%Net loans and leases to core deposits
51.61%Equity capital to assets
11.12%Core capital (leverage) ratio
11.98%Tier 1 risk-based capital ratio
20.22%Total risk-based capital ratio
Memoranda
$22Average assets
$12,550Average earning assets
$1,384Average equity
$11,769Average loans

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