FDIC Certificate #: 16905 Status: Active Federal Reserve ID: 661157 Bank Holding Company (Regulatory Top Holder): Orchard Bancorp. (RSSDID: 1904936, Location: Orchard, NE) Date Established: April 10, 1950 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 10991 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: April 10, 1950 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 145 E 2nd St, Orchard, NE 68764 County: Antelope Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Sioux City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $24.3 mil Equity capital: $2.8 mil Deposits held in domestic offices: $21.3 mil Return on assets (ROA): 0.89% ($0.2 mil) Quarterly return on assets: -1.14% (-$0.3 mil) Return on Equity (ROE): 7.30% ($0.2 mil) Quarterly return on equity: -9.34% (-$0.3 mil) Net income: $0.2 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 1.33% ($322.6 mil) Quarterly Pretax return on assets: 0.55% ($133.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$24,254Total assets
$7,369Cash and due from depository institutions
$5,367Interest-bearing balances
$8,041Securities
$0Federal funds sold & reverse repurchase agreements
$8,534Net loans & leases
$194Loan loss allowance
$0Trading account assets
$36Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$24,254Life insurance assets
$274All other assets
$21,426Total liabilities and capital
$21,309Total liabilities
$18,323Total deposits
$21,309Interest-bearing deposits
$76Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$117Subordinated debt
$2,828All other liabilities
$2,828Total equity capital
$2,828Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$450Surplus
$2,228Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$224Long-term assets (5+ years)
$21,942Average Assets, year-to-date
$9,234Average Assets, quarterly
$23,484Volatile liabilities
$23,795Insider loans
$11,818FHLB advances
$23,885Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,828Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$555Restructured Loans and leases
$17Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$884Total interest income
$196Total interest expense
$688Net interest income
$0Provision for loan and lease losses
$97Total noninterest income
$0Fiduciary activities
$80Service charges on deposit accounts
$0Trading account gains & fees
$17Additional noninterest income
$473Total noninterest expense
$306Salaries and employee benefits
$34Premises and equipment expense
$133Additional noninterest expense
$312Pre-tax net operating income
$0Securities gains (losses)
$103Applicable income taxes
$209Income before extraordinary items
$0Extraordinary gains - net
$209Net income attributable to bank
$0Net charge-offs
$209Cash dividends
-$16Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.02%Yield on earning assets
0.89%Cost of funding earning assets
3.13%Net interest margin
0.44%Noninterest income to earning assets
2.15%Noninterest expense to earning assets
0.89%Net operating income to assets
0.89%Return on assets (ROA)
1.33%Pretax return on assets
7.30%Return on equity (ROE)
2.06%Retained earnings to average equity (YTD only)
-0.19%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,255Assets per employee
4.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
71.77%Loss allowance to loans
2.22%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
40.05%Net loans and leases to core deposits
40.53%Equity capital to assets
11.66%Core capital (leverage) ratio
11.84%Tier 1 risk-based capital ratio
23.93%Total risk-based capital ratio
Memoranda
$25Average assets
$23,484Average earning assets
$2,864Average equity
$22,009Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10991
Bank Of Orchard
145 E 2nd St, Orchard, NE 68764
April 10, 1950
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Orchard.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: