Bruning State Bank

Bruning State Bank is headquartered in Bruning and is the 36^th largest bank in the state of Nebraska. It is also the 2,453^rd largest bank in the nation. It was established in 1891 and as of December of 2011, it had grown to 54 employees at 4 locations. Bruning State Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Bruning State Bank Routing Number: 104106693

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Data for Q4 2011

Institution Statistics Bruning State Bank FDIC Certificate # 18748 BankRate Report View Year Established 1891 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $260.53 million Loans $156.78 million Deposits $196.13 million Equity Capital $26.10 million Loan Loss Allowance $3.05 million Unbacked Noncurrent Loans $26,000 Historic Data - December 2010 Assets $224.30 million Equity Capital $22.93 million Loan Loss Allowance $2.69 million Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.97% Return on Equity 9.43% Interest Income $9.61 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 Bruning State Bank had $26,000 in non-current loans and owned real-estate with $29.15 million in equity and loan loss allowances on hand to cover it. This gives Bruning State Bank a Texas Ratio of 0.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Bruning State Bank has increased its total deposits by $31.92 million, resulting in 19.44% 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 Bruning State 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. Bruning State Bank has $260.53 million in assets with $29.15 million in equity, resulting in a capitalization level of 11.19%, which is above average.

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