Curtis State Bank

Curtis State Bank is headquartered in Curtis and is the 174^th largest bank in the state of Nebraska. It is also the 6,828^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 9 employees at 1 location. Curtis State Bank's savings rates are 4X the national average, and it boasts a 5-star health rating.

Curtis State Bank Routing Number: 104103829

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Data for Q1 2012

Institution Statistics Curtis State Bank FDIC Certificate # 1983 BankRate Report View Year Established 1910 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $34.76 million Loans $19.32 million Deposits $28.93 million Equity Capital $4.55 million Loan Loss Allowance $268,000 Historic Data - March 2011 Assets $30.01 million Equity Capital $4.17 million Loan Loss Allowance $229,000 Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.64% Return on Equity 5.05% Interest Income $394,000

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 March 31, 2012 Curtis State Bank had $0 in non-current loans and owned real-estate with $4.82 million in equity and loan loss allowances on hand to cover it. This gives Curtis State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Curtis State Bank has increased its total deposits by $4.39 million, resulting in 17.88% 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 Curtis 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. Curtis State Bank has $34.76 million in assets with $4.82 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

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