Two Rivers Bank in Blair, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Two Rivers Bank - Overview

  • General
  • FDIC Certificate #: 34468
    Status: Active
    Federal Reserve ID: 335355
    Bank Holding Company (Regulatory Top Holder): Arlington State Banc Holding Company (RSSDID: 2004749, Location: Blair, NE)
    Date Established: Febuary 03, 1997
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 57659
    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: Febuary 03, 1997
    Last Structure Change Effective Date: November 12, 2008
    Last Structure Change Process Date: November 25, 2008
    Last Data Update: November 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 555 South 19th Street, Blair, NE 68008
    County: Washington
    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
    Metropolitan Statistical Area (MSA): Omaha, NE-IA (#5920)
    Combined Statistical Area (CSA): Omaha-Council Bluffs-Fremont, NE-IA (#420)
    Core Based Statistical Area (CBSA): Omaha-Council Bluffs, NE-IA (#36540)
    CBSA Metro Statistical Area: Omaha-Council Bluffs, NE-IA (#36540)
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $129.8 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $96.3 mil
    Return on assets (ROA): 0.15% ($0.2 mil)
    Quarterly return on assets: -0.19% (-$0.2 mil)
    Return on Equity (ROE): 1.54% ($0.2 mil)
    Quarterly return on equity: -1.77% (-$0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.15% ($194.7 mil)
    Quarterly Pretax return on assets: -0.19% (-$246.7 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
  • 26Total employees (full-time equivalent)
  • $129,833Total assets
  • $5,253Cash and due from depository institutions
  • $1,073Interest-bearing balances
  • $38,598Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,744Net loans & leases
  • $1,534Loan loss allowance
  • $0Trading account assets
  • $5,914Bank premises and fixed assets
  • $1,585Other real estate owned
  • $0Goodwill and other intangibles
  • $129,833Life insurance assets
  • $6,739All other assets
  • $116,330Total liabilities and capital
  • $96,310Total liabilities
  • $75,932Total deposits
  • $96,310Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,826Trading liabilities
  • $0Other borrowed funds
  • $194Subordinated debt
  • $13,503All other liabilities
  • $13,503Total equity capital
  • $13,503Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $3,800Surplus
  • $8,503Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $198Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,767Income earned, not collected on loans
  • $0Earning assets
  • $979Long-term assets (5+ years)
  • $111,415Average Assets, year-to-date
  • $47,048Average Assets, quarterly
  • $128,976Volatile liabilities
  • $127,465Insider loans
  • $91,021FHLB advances
  • $124,601Loans and leases held for sale
  • $3,236Unused loan commitments
  • $3,236Tier 1 (core) risk-based capital
  • $12,869Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,429Restructured Loans and leases
  • $8,560Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,497Total interest income
  • $1,677Total interest expense
  • $3,820Net interest income
  • $1,015Provision for loan and lease losses
  • $563Total noninterest income
  • $0Fiduciary activities
  • $467Service charges on deposit accounts
  • $0Trading account gains & fees
  • $96Additional noninterest income
  • $3,500Total noninterest expense
  • $1,584Salaries and employee benefits
  • $475Premises and equipment expense
  • $1,441Additional noninterest expense
  • -$132Pre-tax net operating income
  • $331Securities gains (losses)
  • $0Applicable income taxes
  • $199Income before extraordinary items
  • $0Extraordinary gains - net
  • $199Net income attributable to bank
  • $0Net charge-offs
  • $199Cash dividends
  • $1,007Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 3.41%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • -0.10%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.15%Pretax return on assets
  • 1.54%Return on equity (ROE)
  • 1.54%Retained earnings to average equity (YTD only)
  • 1.37%Net charge-offs to loans
  • 100.79%Credit loss provision to net charge-offs
  • 0.88%Efficiency ratio
  • 79,854Assets per employee
  • 4.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 40.72%Noncurrent assets plus other real estate owned to assets
  • 4.12%Noncurrent loans to loans
  • 5.14%Net loans and leases to deposits
  • 74.49%Net loans and leases to core deposits
  • 87.02%Equity capital to assets
  • 10.40%Core capital (leverage) ratio
  • 10.33%Tier 1 risk-based capital ratio
  • 14.14%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $128,976Average earning assets
  • $12,917Average equity
  • $112,027Average loans

List of branches

  • 2 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057659Two Rivers Bank555 South 19th Street, Blair, NE 68008Febuary 03, 1997Full Service Brick and Mortar
    1949130 Eagle Street Branch130 Eagle Street, Arlington, NE 68002January 01, 1890Full Service Brick and Mortar

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