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


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
  • NoIDNameAddressEstablishedService TypeMap
    23970Arbor Bank, Oakland Branch301 Oakland Avenue, Oakland, IA 51560December 23, 1881Full Service Brick and Mortar
    33964First Community Bank Branch716 Illinois Street, Sidney, IA 51652January 01, 1891Full Service Brick and Mortar
  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047135Arbor Bank911 Central Avenue, Nebraska City, NE 68410July 01, 1991Full Service Brick and Mortar
    4428153Omaha Branch2945 South 132nd Street, Omaha, NE 68144June 03, 2003Full Service Brick and Mortar

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