The Commercial State Bank
Clay Center, NE — Domestic Branch of a Domestic Bank
Acquired Mar 2003
Vitals
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Total Assets32.0M
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Total Deposits27.6M
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Total Net Loans15.8M
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Net Income406000.0000
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Book Value4.2M
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Book Value x28.4M
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Book Value x312.6M
Balance Sheet Highlights
| Financial Highlights | The Commercial State Bank | All Insured Commercial Banks in Nebraska |
| Balance Sheet $(000) | ||
| Total Assets | 31,987 | 61,113 |
| Total Net Loans | 15,781 | 40,470 |
| Total Deposits | 27,635 | 49,470 |
| Total Equity | 4,216 | 6,538 |
| Profitability | ||
| Net Income | 406 | 937 |
| Return on Average Assets | 1.302 | 1.196 |
| Return on Average Equity | 10.165 | 11.405 |
| Net Interest Margin | 4.429 | 4.366 |
| Efficiency Ratio | 56.029 | 62.153 |
| Noninterest Income/Revenue | 8.78 | 8.524 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 57.105 | 77.325 |
| Securities/Assets | .337 | .44 |
| Total Equity/Total Assets | .132 | .107 |
| Tangible Equity/Tangible Assets | .093 | -.182 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 2,841 | 6,099 |
| Tier 2 Capital | 244 | 505 |
| Total Capital | 3,085 | 6,609 |
| Total Risk Weighted Assets | 19,352 | 43,772 |
| Leverage Ratio | 9.33 | 10.645 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 14.68 | 15.231 |
| Total Capital Ratio | 15.94 | 16.396 |
Timeline for The Commercial State Bank
Bruning State Bank
The Commercial State Bank was acquired by Bruning State Bank 21 years
View Profile Mar 15 2003
Bruning Bancshares, Inc.
Bruning Bancshares, Inc. became a new parent organization for The Commercial State Bank.
View Profile Mar 01 2000
The Commercial State Bank
The Commercial State Bank was established 79 years ago and is currently headquartered in Clay Center, NE.
Aug 09 1944| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Bruning State Bank | Buyer | 347,176 | Pooling of Interests | Discontinued | 3/15/2003 |
| Relationships | Role | Relationship Start | Relationship End |
| Bruning Bancshares, Inc. | Parent | 3/1/2000 | 3/14/2003 |
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