Bank of Keystone

Bank of Keystone is headquartered in Keystone and is the 133^rd largest bank in the state of Nebraska. It is also the 6,185^th largest bank in the nation. It was established in 1909 and as of December of 2011, it had grown to 13 employees at 4 locations. Bank of Keystone has a 5-star health rating.

Bank of Keystone Routing Number: 104107731

Data for Q4 2011

Institution Statistics Bank of Keystone FDIC Certificate # 9817 BankRate Report View Year Established 1909 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $56.00 million Loans $40.38 million Deposits $49.58 million Equity Capital $6.01 million Loan Loss Allowance $594,000 Unbacked Noncurrent Loans $496,000 Historic Data - December 2010 Assets $52.40 million Equity Capital $5.41 million Loan Loss Allowance $509,000 Unbacked Noncurrent Loans $642,000 Profit Margin - Quarterly Net Interest Margin 4.72% Return on Assets 1.57% Return on Equity 14.54% Interest Income $2.70 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 Bank of Keystone had $496,000 in non-current loans and owned real-estate with $6.6 million in equity and loan loss allowances on hand to cover it. This gives Bank of Keystone a Texas Ratio of 7.51% 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 Bank of Keystone decreased slightly from 10.84% as of December 31, 2010 to 7.51% as of December 31, 2011, resulting in a positive change of 30.70%.This indicates that the balance sheet and financial strength for Bank of Keystone has improved slightly in recent periods. Deposit Growth In the past year, Bank of Keystone has increased its total deposits by $3.02 million, resulting in 6.49% 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 Keystone 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. Bank of Keystone has $56 million in assets with $6.6 million in equity, resulting in a capitalization level of 11.79%, which is above average.

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