Two Rivers Bank in Blair, Nebraska (NE)



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Two Rivers Bank routing number info

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Two Rivers Bank
GeneralFDIC 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
WWW: http://www.2riversbank.com
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
LocationAddress: 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 ChangesCorrections
Change in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)26
Total assets$129,833
Cash and due from depository institutions$5,253
Interest-bearing balances$1,073
Securities$38,598
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$71,744
Loan loss allowance $1,534
Trading account assets$0
Bank premises and fixed assets$5,914
Other real estate owned$1,585
Goodwill and other intangibles$0
All other assets$6,739
Life insurance assets$129,833
Total liabilities and capital$116,330
Total liabilities$96,310
Total deposits$75,932
Interest-bearing deposits$96,310
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$19,826
Other borrowed funds $0
Subordinated debt $194
All other liabilities $13,503
Total equity capital$13,503
Total bank equity capital$13,503
Perpetual preferred stock$0
Common stock$1,200
Surplus$3,800
Undivided profits $8,503
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $198
Income earned, not collected on loans $3,767
Earning assets $0
Long-term assets (5+ years) $979
Average Assets, year-to-date $111,415
Average Assets, quarterly $47,048
Volatile liabilities $128,976
Insider loans $127,465
FHLB advances $91,021
Loans and leases held for sale $124,601
Unused loan commitments $3,236
Tier 1 (core) risk-based capital $3,236
Tier 2 risk-based capital $12,869
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,429
Derivatives$8,560
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,497
Total interest expense $1,677
Net interest income $3,820
Provision for loan and lease losses $1,015
Total noninterest income $563
Fiduciary activities $0
Service charges on deposit accounts $467
Trading account gains & fees $0
Additional noninterest income $96
Total noninterest expense $3,500
Salaries and employee benefits $1,584
Premises and equipment expense $475
Additional noninterest expense $1,441
Pre-tax net operating income -$132
Securities gains (losses) $331
Applicable income taxes $0
Income before extraordinary items $199
Extraordinary gains - net $0
Net income attributable to bank $199
Net charge-offs $0
Cash dividends $199
Sale, conversion, retirement of capital stock, net $1,007
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.91%
Cost of funding earning assets 1.50%
Net interest margin 3.41%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 3.12%
Net operating income to assets -0.10%
Return on assets (ROA) 0.15%
Pretax return on assets 0.15%
Return on equity (ROE) 1.54%
Retained earnings to average equity (YTD only) 1.54%
Net charge-offs to loans 1.37%
Credit loss provision to net charge-offs 100.79%
Efficiency ratio0.88%
Assets per employee$79,854
Cash dividends to net income (YTD only)4.99%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.09%
Noncurrent assets plus other real estate owned to assets 40.72%
Noncurrent loans to loans 4.12%
Net loans and leases to deposits5.14%
Net loans and leases to core deposits 74.49%
Equity capital to assets 87.02%
Core capital (leverage) ratio 10.40%
Tier 1 risk-based capital ratio 10.33%
Total risk-based capital ratio 14.14%
Memoranda
Average assets$15
Average earning assets$128,976
Average equity $12,917
Average loans $112,027
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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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