Adams County Bank

Adams County Bank is headquartered in Kenesaw and is the 76^th largest bank in the state of Nebraska. It is also the 4,386^th largest bank in the nation. It was established in 1878 and as of December of 2011, it had grown to 15 employees at 2 locations. Adams County Bank has a 5-star health rating.

Adams County Bank Routing Number: 104907708

Data for Q4 2011

Institution Statistics Adams County Bank FDIC Certificate # 14311 BankRate Report View Year Established 1878 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $122.48 million Loans $76.88 million Deposits $80.55 million Equity Capital $9.52 million Loan Loss Allowance $791,000 Unbacked Noncurrent Loans $496,000 Historic Data - December 2010 Assets $90.95 million Equity Capital $8.25 million Loan Loss Allowance $823,000 Unbacked Noncurrent Loans $654,000 Profit Margin - Quarterly Net Interest Margin 3.38% Return on Assets 0.98% Return on Equity 12.09% Interest Income $4.32 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 December 31, 2011 Adams County Bank had $496,000 in non-current loans and owned real-estate with $10.31 million in equity and loan loss allowances on hand to cover it. This gives Adams County Bank a Texas Ratio of 4.81% 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 Adams County Bank decreased slightly from 7.21% as of December 31, 2010 to 4.81% as of December 31, 2011, resulting in a positive change of 33.24%.This indicates that the balance sheet and financial strength for Adams County Bank has improved slightly in recent periods. Deposit Growth In the past year, Adams County Bank has increased its total deposits by $8.9 million, resulting in 12.42% 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 County 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. Adams County Bank has $122.48 million in assets with $10.31 million in equity, resulting in a capitalization level of 8.41%, which is average.

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