Arbor Bank in city_name, state_name - Detailed Financial Reports, Location

Arbor Bank in Nebraska City, Nebraska (NE), IA
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Arbor Bank routing number info

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Arbor Bank - Overview

General
FDIC Certificate #: 33450
Status: Active
Federal Reserve ID: 1872941
Bank Holding Company (Regulatory Top Holder): Oakland Financial Services, Inc. (RSSDID: 1203125, Location: Oakland, IA)
Date Established: July 01, 1991
WWW: http://www.arborbanking.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: Yes)
OTS Docket #: 12901
FDIC's unique #: 47135
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: July 01, 1991
Last Structure Change Effective Date: June 30, 2011
Last Structure Change Process Date: July 07, 2011
Last Data Update: July 07, 2011
Data Source Date: April 05, 2012
Location
Address: 911 Central Avenue, Nebraska City, NE 68410
County: Otoe
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
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $204.5 mil
Equity capital: $19.1 mil
Deposits held in domestic offices: $166.3 mil
Return on assets (ROA): 0.30% ($0.6 mil)
Quarterly return on assets: 0.26% ($0.5 mil)
Return on Equity (ROE): 3.31% ($0.6 mil)
Quarterly return on equity: 2.78% ($0.5 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.30% ($613.6 mil)
Quarterly Pretax return on assets: 0.26% ($531.8 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
57Total employees (full-time equivalent)
$204,527Total assets
$11,055Cash and due from depository institutions
$4,539Interest-bearing balances
$52,041Securities
$0Federal funds sold & reverse repurchase agreements
$129,219Net loans & leases
$1,904Loan loss allowance
$0Trading account assets
$5,007Bank premises and fixed assets
$2,233Other real estate owned
$1Goodwill and other intangibles
$204,527Life insurance assets
$4,971All other assets
$185,416Total liabilities and capital
$166,266Total liabilities
$147,073Total deposits
$166,266Interest-bearing deposits
$82Deposits held in domestic offices
1382.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$17,209Trading liabilities
$0Other borrowed funds
$559Subordinated debt
$19,111All other liabilities
$19,111Total equity capital
$19,111Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$12,782Surplus
$5,829Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,050Income earned, not collected on loans
$0Earning assets
$1,543Long-term assets (5+ years)
$185,799Average Assets, year-to-date
$50,003Average Assets, quarterly
$207,123Volatile liabilities
$204,778Insider loans
$146,240FHLB advances
$204,223Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,287Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,710Restructured Loans and leases
$13Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,978Total interest income
$1,947Total interest expense
$7,031Net interest income
$674Provision for loan and lease losses
$346Total noninterest income
$0Fiduciary activities
$307Service charges on deposit accounts
$0Trading account gains & fees
$39Additional noninterest income
$6,446Total noninterest expense
$3,237Salaries and employee benefits
$914Premises and equipment expense
$2,295Additional noninterest expense
$257Pre-tax net operating income
$364Securities gains (losses)
$6Applicable income taxes
$615Income before extraordinary items
$0Extraordinary gains - net
$615Net income attributable to bank
$0Net charge-offs
$615Cash dividends
$1,343Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
1.04%Cost of funding earning assets
3.76%Net interest margin
0.18%Noninterest income to earning assets
3.44%Noninterest expense to earning assets
0.12%Net operating income to assets
0.30%Return on assets (ROA)
0.30%Pretax return on assets
3.31%Return on equity (ROE)
3.31%Retained earnings to average equity (YTD only)
1.03%Net charge-offs to loans
50.19%Credit loss provision to net charge-offs
0.69%Efficiency ratio
87,380Assets per employee
3.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
62.43%Noncurrent assets plus other real estate owned to assets
2.58%Noncurrent loans to loans
2.33%Net loans and leases to deposits
77.72%Net loans and leases to core deposits
85.87%Equity capital to assets
9.34%Core capital (leverage) ratio
8.95%Tier 1 risk-based capital ratio
12.50%Total risk-based capital ratio
Memoranda
$14Average assets
$207,123Average earning assets
$18,608Average equity
$187,119Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$264Managed Assets
1Number of Accounts
$264Personal trust and agency accounts
$21Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$243Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
5Number of Accounts
$0Personal trust and agency accounts
$243Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
2	3970	Arbor Bank, Oakland Branch	301 Oakland Avenue, Oakland, IA 51560	December 23, 1881	Full Service Brick and Mortar
3	3964	First Community Bank Branch	716 Illinois Street, Sidney, IA 51652	January 01, 1891	Full Service Brick and Mortar

2 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	47135	Arbor Bank	911 Central Avenue, Nebraska City, NE 68410	July 01, 1991	Full Service Brick and Mortar
4	428153	Omaha Branch	2945 South 132nd Street, Omaha, NE 68144	June 03, 2003	Full Service Brick and Mortar

Arbor Bank in Nebraska City, Nebraska (NE), IA
Overview, Financial Summary, Detailed Financial Reports, Branches

Arbor Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Arbor Bank in Nebraska City, Nebraska (NE), IAOverview, Financial Summary, Detailed Financial Reports, Branches

Arbor Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Arbor Bank in Nebraska City, Nebraska (NE), IA
Overview, Financial Summary, Detailed Financial Reports, Branches