Bank of Bennington

Bank of Bennington is headquartered in Bennington and is the 131^st largest bank in the state of Nebraska. It is also the 6,122^nd largest bank in the nation. It was established in 1928 and as of December of 2011, it had grown to 24 employees at 3 locations. Bank of Bennington has a 4-star health rating.

Bank of Bennington Routing Number: 104913019

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Data for Q4 2011

Institution Statistics Bank of Bennington FDIC Certificate # 8595 BankRate Report View Year Established 1928 Employees 24 Primary Regulator FED Assets and Liabilities Assets $58.41 million Loans $37.00 million Deposits $52.36 million Equity Capital $5.79 million Loan Loss Allowance $736,000 Unbacked Noncurrent Loans $654,000 Historic Data - December 2010 Assets $61.12 million Equity Capital $5.54 million Loan Loss Allowance $842,000 Unbacked Noncurrent Loans $2.14 million Profit Margin - Quarterly Net Interest Margin 4.35% Return on Assets 1.28% Return on Equity 13.88% Interest Income $2.84 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 Bank of Bennington had $654,000 in non-current loans and owned real-estate with $6.53 million in equity and loan loss allowances on hand to cover it. This gives Bank of Bennington a Texas Ratio of 10.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Bennington decreased significantly from 33.56% as of December 31, 2010 to 10.02% as of December 31, 2011, resulting in a positive change of 70.15%.This indicates that the balance sheet and financial strength for Bank of Bennington has improved significantly in recent periods. Deposit Growth In the past year, Bank of Bennington has decreased its total deposits by -$2.96 million, resulting in -5.35% 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 Bank of Bennington has shown is poor. 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. Bank of Bennington has $58.41 million in assets with $6.53 million in equity, resulting in a capitalization level of 11.18%, which is above average.

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