First Tri County Bank

First Tri County Bank is headquartered in Swanton and is the 134^th largest bank in the state of Nebraska. It is also the 6,173^rd largest bank in the nation. It was established in 1894 and as of March of 2012, it had grown to 11 employees at 2 locations. First Tri County Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Tri County Bank FDIC Certificate # 8333 BankRate Report View Year Established 1894 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $56.37 million Loans $38.34 million Deposits $51.09 million Equity Capital $5.08 million Loan Loss Allowance $443,000 Unbacked Noncurrent Loans $475,000 Historic Data - March 2011 Assets $54.29 million Equity Capital $4.38 million Loan Loss Allowance $465,000 Unbacked Noncurrent Loans $270,000 Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 1.37% Return on Equity 15.42% Interest Income $579,000

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 First Tri County Bank had $475,000 in non-current loans and owned real-estate with $5.52 million in equity and loan loss allowances on hand to cover it. This gives First Tri County Bank a Texas Ratio of 8.61% 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 First Tri County Bank held steady from 5.57% as of March 31, 2011 to 8.61% as of March 31, 2012, resulting in a negative change of 54.53%. This indicates that the balance sheet and financial strength for First Tri County Bank has held steady in recent periods. Deposit Growth In the past year, First Tri County Bank has increased its total deposits by $1.46 million, resulting in 2.94% 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 First Tri County 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. First Tri County Bank has $56.36 million in assets with $5.52 million in equity, resulting in a capitalization level of 9.79%, which is average.

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