Bank of Mead

Bank of Mead is headquartered in Mead and is the 196^th largest bank in the state of Nebraska. It is also the 7,154^th largest bank in the nation. It was established in 1885 and as of December of 2011, it had grown to 5 employees at 2 locations. Bank of Mead has a 5-star health rating.

Bank of Mead Routing Number: 104908040

Data for Q4 2011

Institution Statistics Bank of Mead FDIC Certificate # 13611 BankRate Report View Year Established 1885 Employees 5 Primary Regulator FDIC Assets and Liabilities Assets $22.50 million Loans $12.89 million Deposits $19.12 million Equity Capital $2.44 million Loan Loss Allowance $207,000 Unbacked Noncurrent Loans $8,000 Historic Data - December 2010 Assets $21.74 million Equity Capital $2.28 million Loan Loss Allowance $190,000 Unbacked Noncurrent Loans $15,000 Profit Margin - Quarterly Net Interest Margin 3.75% Return on Assets 1.06% Return on Equity 9.84% Interest Income $992,000

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 Mead had $8,000 in non-current loans and owned real-estate with $2.65 million in equity and loan loss allowances on hand to cover it. This gives Bank of Mead a Texas Ratio of 0.30% 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 Mead decreased significantly from 0.61% as of December 31, 2010 to 0.30% as of December 31, 2011, resulting in a positive change of 50.27%.This indicates that the balance sheet and financial strength for Bank of Mead has improved significantly in recent periods. Deposit Growth In the past year, Bank of Mead has decreased its total deposits by $-94,000, resulting in -0.49% 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 Mead 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. Bank of Mead has $22.5 million in assets with $2.65 million in equity, resulting in a capitalization level of 11.76%, which is above average.

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