City Bank & Trust Co.

City Bank & Trust Co. is headquartered in Lincoln and is the 58^th largest bank in the state of Nebraska. It is also the 3,318^st largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 32 employees at 4 locations. City Bank & Trust Co.'s savings rates are 83% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics City Bank & Trust Co. FDIC Certificate # 5396 BankRate Report View Year Established 1910 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $184.67 million Loans $130.01 million Deposits $144.60 million Equity Capital $22.48 million Loan Loss Allowance $3.06 million Unbacked Noncurrent Loans $4.33 million Real Estate Owned $5.86 million Historic Data - March 2011 Assets $203.55 million Equity Capital $21.82 million Loan Loss Allowance $3.40 million Unbacked Noncurrent Loans $8.25 million Real Estate Owned $7.55 million Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets -0.16% Return on Equity -1.35% Interest Income $1.95 million

Institution Health Overall Score: 3 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 March 31, 2012 City Bank & Trust Co. had $10.19 million in non-current loans and owned real-estate with $25.53 million in equity and loan loss allowances on hand to cover it. This gives City Bank & Trust Co. a Texas Ratio of 39.92% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for City Bank & Trust Co. decreased slightly from 62.64% as of March 31, 2011 to 39.92% as of March 31, 2012, resulting in a positive change of 36.27%.This indicates that the balance sheet and financial strength for City Bank & Trust Co. has improved slightly in recent periods. Deposit Growth In the past year, City Bank & Trust Co. has decreased its total deposits by -$5.07 million, resulting in -3.39% 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 City Bank & Trust Co. 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. City Bank & Trust Co. has $184.67 million in assets with $25.53 million in equity, resulting in a capitalization level of 13.83%, which is excellent.

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