Adams Bank & Trust

Adams Bank & Trust is headquartered in Ogallala and is the 12^st largest bank in the state of Nebraska. It is also the 1,323^rd largest bank in the nation. It was established in 1962 and as of September of 2011, it had grown to 143 employees at 15 locations. Adams Bank & Trust has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Adams Bank & Trust FDIC Certificate # 18489 BankRate Report View Year Established 1962 Employees 143 Primary Regulator FED Assets and Liabilities Assets $512.22 million Loans $448.31 million Deposits $413.57 million Equity Capital $67.77 million Loan Loss Allowance $7.92 million Unbacked Noncurrent Loans $10.00 million Real Estate Owned $7.91 million Historic Data - September 2010 Assets $509.49 million Equity Capital $56.37 million Loan Loss Allowance $7.50 million Unbacked Noncurrent Loans $5.85 million Real Estate Owned $8.59 million Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets 0.84% Return on Equity 7.18% Interest Income $20.64 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 September 30, 2011 Adams Bank & Trust had $17.91 million in non-current loans and owned real-estate with $75.69 million in equity and loan loss allowances on hand to cover it. This gives Adams Bank & Trust a Texas Ratio of 23.67% 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 Adams Bank & Trust held steady from 22.60% as of September 30, 2010 to 23.67% as of September 30, 2011, resulting in a negative change of 4.70%. This indicates that the balance sheet and financial strength for Adams Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Adams Bank & Trust has decreased its total deposits by -$2.41 million, resulting in -0.58% 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 Adams Bank & Trust has shown is average. 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. Adams Bank & Trust has $512.22 million in assets with $75.69 million in equity, resulting in a capitalization level of 14.78%, which is excellent.

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