Eagle State Bank

Eagle State Bank is headquartered in Eagle and is the 211^st largest bank in the state of Nebraska. It is also the 7,214^st largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 3 employees at 1 location. Eagle State Bank has a 4-star health rating.

Eagle State Bank Routing Number: 104901115

Data for Q1 2012

Institution Statistics Eagle State Bank FDIC Certificate # 21809 BankRate Report View Year Established 1974 Employees 3 Primary Regulator FDIC Assets and Liabilities Assets $16.45 million Loans $5.79 million Deposits $14.89 million Equity Capital $1.53 million Loan Loss Allowance $46,000 Unbacked Noncurrent Loans $31,000 Real Estate Owned $123,000 Historic Data - March 2011 Assets $15.85 million Equity Capital $1.52 million Loan Loss Allowance $50,000 Unbacked Noncurrent Loans $18,000 Real Estate Owned $196,000 Profit Margin - Quarterly Net Interest Margin 2.8% Return on Assets 0.15% Return on Equity 1.57% Interest Income $121,000

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 Eagle State Bank had $154,000 in non-current loans and owned real-estate with $1.58 million in equity and loan loss allowances on hand to cover it. This gives Eagle State Bank a Texas Ratio of 9.76% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Eagle State Bank decreased slightly from 13.65% as of March 31, 2011 to 9.76% as of March 31, 2012, resulting in a positive change of 28.49%.This indicates that the balance sheet and financial strength for Eagle State Bank has improved slightly in recent periods. Deposit Growth In the past year, Eagle State Bank has increased its total deposits by $593,000, resulting in 4.15% 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 Eagle State Bank has shown is above 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. Eagle State Bank has $16.45 million in assets with $1.58 million in equity, resulting in a capitalization level of 9.59%, which is average.

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