The Bank of Steinauer in Steinauer, Nebraska (NE)
| Assets and Liabilities (December 31, 2010) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 4 |
| Total assets | $10,506 |
| Cash and due from depository institutions | $769 |
| Interest-bearing balances | $200 |
| Securities | $1,551 |
| Federal funds sold & reverse repurchase agreements | $1,500 |
| Net loans & leases | $6,414 |
| Loan loss allowance | $106 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $23 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $249 |
| Life insurance assets | $0 |
| Total liabilities and capital | $10,506 |
| Total liabilities | $9,614 |
| Total deposits | $9,603 |
| Interest-bearing deposits | $7,910 |
| Deposits held in domestic offices | $9,603 |
| % insured (estimated) | 93.96% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $11 |
| Total equity capital | $892 |
| Total bank equity capital | $892 |
| Perpetual preferred stock | $892 |
| Common stock | $0 |
| Surplus | $40 |
| Undivided profits | $760 |
| Memoranda | |
| Noncurrent loans and leases | $92 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,342 |
| Income earned, not collected on loans | $0 |
| Earning assets | $39 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $92 |
| Average Assets, quarterly | $9,665 |
| Volatile liabilities | $769 |
| Insider loans | $9,818 |
| FHLB advances | $10,322 |
| Loans and leases held for sale | $614 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $1,342 |
| Restructured Loans and leases | $0 |
| Derivatives | $81 |
| Income and Expense (December 31, 2010) (Dollar figures in thousands) | |
| Total interest income | $510 |
| Total interest expense | $82 |
| Net interest income | $428 |
| Provision for loan and lease losses | $5 |
| Total noninterest income | $62 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $57 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $5 |
| Total noninterest expense | $433 |
| Salaries and employee benefits | $251 |
| Premises and equipment expense | $69 |
| Additional noninterest expense | $113 |
| Pre-tax net operating income | $52 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $12 |
| Income before extraordinary items | $40 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $40 |
| Net charge-offs | $0 |
| Cash dividends | $40 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2010) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.91% |
| Cost of funding earning assets | 0.95% |
| Net interest margin | 4.96% |
| Noninterest income to earning assets | 0.72% |
| Noninterest expense to earning assets | 5.02% |
| Net operating income to assets | 0.41% |
| Return on assets (ROA) | 0.41% |
| Pretax return on assets | 0.53% |
| Return on equity (ROE) | 4.49% |
| Retained earnings to average equity (YTD only) | 4.49% |
| Net charge-offs to loans | 0.00% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 0.00% |
| Assets per employee | $88,367 |
| Cash dividends to net income (YTD only) | 2.63% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.63% |
| Noncurrent assets plus other real estate owned to assets | 271.79% |
| Noncurrent loans to loans | 0.37% |
| Net loans and leases to deposits | 0.60% |
| Net loans and leases to core deposits | 66.79% |
| Equity capital to assets | 71.35% |
| Core capital (leverage) ratio | 8.49% |
| Tier 1 risk-based capital ratio | 8.49% |
| Total risk-based capital ratio | 13.74% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $9,818 |
| Average equity | $890 |
| Average loans | $8,634 |
| 1 Nebraska Branch as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 6818 | The Bank Of Steinauer | 215 Main St, Steinauer, NE 68441 | June 28, 1888 | Full Service Brick and Mortar |  |
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