The Bank of Wilber in Wilber, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 26, 1995

The Bank of Wilber in Wilber, Nebraska (NE)
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The Bank of Wilber - Overview

General
FDIC Certificate #: 13156
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Farmers and Merchants Bank (#16810)
Federal Reserve ID: 728751
Date Established: Febuary 20, 1902
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 8320
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 26, 1995
Last Structure Change Process Date: November 01, 1995
Last Data Update: November 01, 1995
Data Source Date: April 05, 2012
Location
Address: 321 South Main, Wilber, NE 68465
County: Saline
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
Financial Summary
Total assets: $33.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$9Total assets
$33,204Cash and due from depository institutions
$1,708Interest-bearing balances
$397Securities
$16,325Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$14,290Loan loss allowance
$204Trading account assets
$0Bank premises and fixed assets
$218Other real estate owned
$0Goodwill and other intangibles
$663Life insurance assets
$0All other assets
$0Total liabilities and capital
$33,204Total liabilities
$30,291Total deposits
$29,703Interest-bearing deposits
$28,310Deposits held in domestic offices
29703.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$400Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$188Total equity capital
$188Total bank equity capital
$2,913Perpetual preferred stock
$0Common stock
$300Surplus
$1,345Undivided profits
Memoranda
$1,268Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$26Income earned, not collected on loans
$303Earning assets
$31,012Long-term assets (5+ years)
$9,362Average Assets, year-to-date
$34,181Average Assets, quarterly
$34,327Volatile liabilities
$1,293Insider loans
$140FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,832Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,048Total risk weighted assets
$18,191Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,525Total interest expense
$1,189Net interest income
$1,336Provision for loan and lease losses
$0Total noninterest income
$118Fiduciary activities
$0Service charges on deposit accounts
$86Trading account gains & fees
$0Additional noninterest income
$32Total noninterest expense
$790Salaries and employee benefits
$424Premises and equipment expense
$113Additional noninterest expense
$253Pre-tax net operating income
$664Securities gains (losses)
$25Applicable income taxes
$154Income before extraordinary items
$535Extraordinary gains - net
$0Net income attributable to bank
$535Net charge-offs
$37Cash dividends
$365Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.81%Cost of funding earning assets
3.68%Net interest margin
4.13%Noninterest income to earning assets
0.36%Noninterest expense to earning assets
2.44%Net operating income to assets
1.51%Return on assets (ROA)
1.57%Pretax return on assets
2.02%Return on equity (ROE)
18.66%Retained earnings to average equity (YTD only)
5.93%Net charge-offs to loans
0.25%Credit loss provision to net charge-offs
0.00%Efficiency ratio
54,333Assets per employee
3.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.22%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
784.62%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.18%Net loans and leases to deposits
48.11%Net loans and leases to core deposits
49.60%Equity capital to assets
8.77%Core capital (leverage) ratio
8.79%Tier 1 risk-based capital ratio
16.76%Total risk-based capital ratio
Memoranda
$18Average assets
$34,181Average earning assets
$2,868Average equity
$32,336Average loans

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