Arbor Bank

Arbor Bank is headquartered in Nebraska City and is the 50^th largest bank in the state of Nebraska. It is also the 3,043^rd largest bank in the nation. It was established in 1991 and as of December of 2011, it had grown to 57 employees at 4 locations. Arbor Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Arbor Bank FDIC Certificate # 33450 BankRate Report View Year Established 1991 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $204.53 million Loans $129.22 million Deposits $166.27 million Equity Capital $19.11 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $3.05 million Real Estate Owned $2.23 million Historic Data - December 2010 Assets $154.20 million Equity Capital $13.26 million Loan Loss Allowance $1.96 million Unbacked Noncurrent Loans $4.04 million Real Estate Owned $566,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.3% Return on Equity 3.31% Interest Income $8.98 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Arbor Bank had $5.28 million in non-current loans and owned real-estate with $21.02 million in equity and loan loss allowances on hand to cover it. This gives Arbor Bank a Texas Ratio of 25.14% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Arbor Bank decreased slightly from 30.23% as of December 31, 2010 to 25.14% as of December 31, 2011, resulting in a positive change of 16.84%.This indicates that the balance sheet and financial strength for Arbor Bank has improved slightly in recent periods. Deposit Growth In the past year, Arbor Bank has increased its total deposits by $39.04 million, resulting in 30.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arbor Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arbor Bank has $204.53 million in assets with $21.02 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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