Equitable Bank

Equitable Bank is headquartered in Grand Island and is the 59^th largest bank in the state of Nebraska. It is also the 3,515^st largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 64 employees at 6 locations. Equitable Bank has a 4-star health rating.

Equitable Bank Routing Number: 304971932

Data for Q1 2012

Institution Statistics Equitable Bank OTS # 07056 FDIC Certificate # 31485 BankRate Report View Year Established 1890 Employees 64 Primary Regulator OCC Assets and Liabilities Assets $170.97 million Loans $120.70 million Deposits $131.97 million Equity Capital $17.12 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $1.62 million Historic Data - March 2011 Assets $181.10 million Equity Capital $17.49 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $3.47 million Real Estate Owned $132,000 Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 0.36% Return on Equity 3.59% Interest Income $1.68 million

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 Equitable Bank had $2.9 million in non-current loans and owned real-estate with $19.39 million in equity and loan loss allowances on hand to cover it. This gives Equitable Bank a Texas Ratio of 14.95% 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 Equitable Bank decreased slightly from 18.71% as of March 31, 2011 to 14.95% as of March 31, 2012, resulting in a positive change of 20.07%.This indicates that the balance sheet and financial strength for Equitable Bank has improved slightly in recent periods. Deposit Growth In the past year, Equitable Bank has increased its total deposits by $751,000, resulting in 0.57% 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 Equitable Bank has shown is 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. Equitable Bank has $170.97 million in assets with $19.39 million in equity, resulting in a capitalization level of 11.34%, which is above average.

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