Cass County Bank, Inc.

Cass County Bank, Inc. is headquartered in Plattsmouth and is the 145^th largest bank in the state of Nebraska. It is also the 6,435^th largest bank in the nation. It was established in 1966 and as of December of 2011, it had grown to 18 employees at 2 locations. Cass County Bank, Inc. has a 4-star health rating.

Data for Q4 2011

Institution Statistics Cass County Bank, Inc. FDIC Certificate # 19645 BankRate Report View Year Established 1966 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $48.45 million Loans $33.92 million Deposits $42.54 million Equity Capital $5.86 million Loan Loss Allowance $394,000 Unbacked Noncurrent Loans $619,000 Real Estate Owned $694,000 Historic Data - December 2010 Assets $49.62 million Equity Capital $5.60 million Loan Loss Allowance $378,000 Unbacked Noncurrent Loans $470,000 Real Estate Owned $1.06 million Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets 0.49% Return on Equity 4.27% Interest Income $2.46 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 Cass County Bank, Inc. had $1.31 million in non-current loans and owned real-estate with $6.26 million in equity and loan loss allowances on hand to cover it. This gives Cass County Bank, Inc. a Texas Ratio of 20.99% 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 Cass County Bank, Inc. decreased slightly from 25.68% as of December 31, 2010 to 20.99% as of December 31, 2011, resulting in a positive change of 18.27%.This indicates that the balance sheet and financial strength for Cass County Bank, Inc. has improved slightly in recent periods. Deposit Growth In the past year, Cass County Bank, Inc. has decreased its total deposits by -$1.39 million, resulting in -3.17% 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 Cass County Bank, Inc. 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. Cass County Bank, Inc. has $48.45 million in assets with $6.26 million in equity, resulting in a capitalization level of 12.91%, which is excellent.

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