Elkhorn Valley Bank & Trust

Elkhorn Valley Bank & Trust is headquartered in Norfolk and is the 12^st largest bank in the state of Nebraska. It is also the 1,233^rd largest bank in the nation. It was established in 1943 and as of March of 2012, it had grown to 79 employees at 7 locations. Elkhorn Valley Bank & Trust's savings rates are 3X the national average, and it boasts a 5-star health rating.

Elkhorn Valley Bank & Trust Routing Number: 104902172

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Data for Q1 2012

Institution Statistics Elkhorn Valley Bank & Trust FDIC Certificate # 16553 BankRate Report View Year Established 1943 Employees 79 Primary Regulator FDIC Assets and Liabilities Assets $550.16 million Loans $256.28 million Deposits $491.45 million Equity Capital $48.81 million Loan Loss Allowance $4.05 million Unbacked Noncurrent Loans $1.86 million Real Estate Owned $758,000 Historic Data - March 2011 Assets $471.62 million Equity Capital $41.21 million Loan Loss Allowance $3.81 million Unbacked Noncurrent Loans $2.30 million Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets 1.36% Return on Equity 15.3% Interest Income $5.39 million

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 Elkhorn Valley Bank & Trust had $2.62 million in non-current loans and owned real-estate with $52.85 million in equity and loan loss allowances on hand to cover it. This gives Elkhorn Valley Bank & Trust a Texas Ratio of 4.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Elkhorn Valley Bank & Trust held steady from 5.11% as of March 31, 2011 to 4.96% as of March 31, 2012, resulting in a positive change of 2.98%.This indicates that the balance sheet and financial strength for Elkhorn Valley Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Elkhorn Valley Bank & Trust has increased its total deposits by $71.77 million, resulting in 17.1% 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 Elkhorn Valley Bank & Trust 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. Elkhorn Valley Bank & Trust has $550.16 million in assets with $52.85 million in equity, resulting in a capitalization level of 9.61%, which is average.

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