Vitals
  • Total Assets
    36.3M 4.0 %
  • Total Deposits
    29.6M 10.4 %
  • Total Net Loans
    31.9M 9.4 %
  • Net Income
    1000.0000 -98.8 %
  • Book Value
    4.8M 0.4 %
  • Book Value x2
    9.7M 0.4 %
  • Book Value x3
    14.5M 0.4 %
ROAA

.011

ROAE

.083

Efficiency Ratio

74.165

Net Interest Margin

3.993

Balance Sheet Highlights
Financial Highlights Harvard State Bank All Insured Commercial Banks in Nebraska
Balance Sheet $(000)
Total Assets 36,341 99,572
Total Net Loans 31,935 66,118
Total Deposits 29,648 80,668
Total Equity 4,829 10,562
Profitability
Net Income 1 250
Return on Average Assets .011 .947
Return on Average Equity .083 8.687
Net Interest Margin 3.993 3.954
Efficiency Ratio 74.165 66.749
Noninterest Income/Revenue -14.048 9.826
Balance Sheet Ratios
Loan-to-Deposit 107.714 78.199
Securities/Assets .07 .436
Total Equity/Total Assets .133 .106
Tangible Equity/Tangible Assets .133 .031
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 4,821 9,994
Tier 2 Capital 2 861
Total Capital 4,823 10,840
Total Risk Weighted Assets 32,736 72,667
Leverage Ratio 12.79 10.587
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.73 15.168
Total Capital Ratio 14.73 16.342

Timeline for Harvard State Bank

Cornerstone Bank

Harvard State Bank was acquired by Cornerstone Bank 14 years

View Profile Apr 01 2010

Harvard State Company

Harvard State Company became a new parent organization for Harvard State Bank.

View Profile Oct 01 1976

Harvard State Bank

Harvard State Bank was established 94 years ago and is currently headquartered in Harvard, NE.

May 18 1930
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Cornerstone Bank Buyer 1,471,696 Acquisition Discontinued 4/1/2010
Relationships Role Relationship Start Relationship End
Harvard State Company Parent 12/31/1996 3/31/2010
Harvard State Company Parent 10/1/1976 12/30/1996
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