Butte State Bank

Butte State Bank is headquartered in Butte and is the 153^rd largest bank in the state of Nebraska. It is also the 6,539^th largest bank in the nation. It was established in 1944 and as of December of 2011, it had grown to 11 employees at 2 locations. Butte State Bank has a 4-star health rating.

Butte State Bank Routing Number: 104113550

Data for Q4 2011

Institution Statistics Butte State Bank FDIC Certificate # 16110 BankRate Report View Year Established 1944 Employees 11 Primary Regulator FED Assets and Liabilities Assets $44.66 million Loans $28.29 million Deposits $39.08 million Equity Capital $4.35 million Loan Loss Allowance $661,000 Unbacked Noncurrent Loans $809,000 Real Estate Owned $94,000 Historic Data - December 2010 Assets $44.17 million Equity Capital $3.57 million Loan Loss Allowance $847,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 1.27% Return on Equity 14.13% Interest Income $2.22 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 Butte State Bank had $903,000 in non-current loans and owned real-estate with $5.01 million in equity and loan loss allowances on hand to cover it. This gives Butte State Bank a Texas Ratio of 18.01% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Butte State Bank decreased significantly from 35.48% as of December 31, 2010 to 18.01% as of December 31, 2011, resulting in a positive change of 49.22%.This indicates that the balance sheet and financial strength for Butte State Bank has improved significantly in recent periods. Deposit Growth In the past year, Butte State Bank has decreased its total deposits by -$1.09 million, resulting in -2.71% 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 Butte State Bank has shown is below 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. Butte State Bank has $44.66 million in assets with $5.01 million in equity, resulting in a capitalization level of 11.23%, which is above average.

No reviews have been left for this bank yet. Be the first to review.