Commercial State Bank (NE)

Commercial State Bank (NE) is headquartered in Wausa and is the 103^rd largest bank in the state of Nebraska. It is also the 5,434^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 16 employees at 2 locations. Commercial State Bank (NE)'s savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Commercial State Bank FDIC Certificate # 13819 BankRate Report View Year Established 1925 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $81.55 million Loans $57.05 million Deposits $72.28 million Equity Capital $8.21 million Loan Loss Allowance $865,000 Unbacked Noncurrent Loans $657,000 Real Estate Owned $966,000 Historic Data - March 2011 Assets $73.63 million Equity Capital $7.59 million Loan Loss Allowance $838,000 Unbacked Noncurrent Loans $618,000 Real Estate Owned $1.10 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 1.76% Return on Equity 17.18% Interest Income $941,000

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 March 31, 2012 Commercial State Bank (NE) had $1.62 million in non-current loans and owned real-estate with $9.08 million in equity and loan loss allowances on hand to cover it. This gives Commercial State Bank (NE) a Texas Ratio of 17.88% 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 Commercial State Bank (NE) held steady from 20.43% as of March 31, 2011 to 17.88% as of March 31, 2012, resulting in a positive change of 12.50%.This indicates that the balance sheet and financial strength for Commercial State Bank (NE) has held steady in recent periods. Deposit Growth In the past year, Commercial State Bank (NE) has increased its total deposits by $7.74 million, resulting in 11.99% 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 Commercial State Bank (NE) 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. Commercial State Bank (NE) has $81.55 million in assets with $9.08 million in equity, resulting in a capitalization level of 11.13%, which is above average.

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