ACCESSbank

ACCESSbank is headquartered in Omaha and is the 71^st largest bank in the state of Nebraska. It is also the 4,193^rd largest bank in the nation. It was established in 2007 and as of September of 2011, it had grown to 29 employees at 3 locations. ACCESSbank's money market rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics Access Bank FDIC Certificate # 58727 BankRate Report View Year Established 2007 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $131.40 million Loans $97.61 million Deposits $108.67 million Equity Capital $16.11 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $886,000 Historic Data - September 2010 Assets $102.14 million Equity Capital $14.89 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $318,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.61% Return on Equity 4.68% Interest Income $4.57 million

Institution Health Overall Score: 5 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 September 30, 2011 ACCESSbank had $886,000 in non-current loans and owned real-estate with $17.37 million in equity and loan loss allowances on hand to cover it. This gives ACCESSbank a Texas Ratio of 5.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ACCESSbank held steady from 1.99% as of September 30, 2010 to 5.10% as of September 30, 2011, resulting in a negative change of 156.01%. This indicates that the balance sheet and financial strength for ACCESSbank has held steady in recent periods. Deposit Growth In the past year, ACCESSbank has increased its total deposits by $29.97 million, resulting in 38.07% 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 ACCESSbank 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. ACCESSbank has $131.4 million in assets with $17.37 million in equity, resulting in a capitalization level of 13.22%, which is excellent.