Heartland Community Bank (NE)

Heartland Community Bank (NE) is headquartered in Bennet and is the 126^th largest bank in the state of Nebraska. It is also the 5,986^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 25 employees at 4 locations. Heartland Community Bank (NE) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Heartland Community Bank FDIC Certificate # 34053 BankRate Report View Year Established 1995 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $63.12 million Loans $35.29 million Deposits $55.58 million Equity Capital $4.11 million Loan Loss Allowance $286,000 Unbacked Noncurrent Loans $32,000 Historic Data - March 2011 Assets $56.14 million Equity Capital $3.43 million Loan Loss Allowance $317,000 Unbacked Noncurrent Loans $344,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 1.33% Return on Equity 20.77% Interest Income $655,000

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 Heartland Community Bank (NE) had $32,000 in non-current loans and owned real-estate with $4.39 million in equity and loan loss allowances on hand to cover it. This gives Heartland Community Bank (NE) a Texas Ratio of 0.73% 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 Heartland Community Bank (NE) decreased significantly from 9.19% as of March 31, 2011 to 0.73% as of March 31, 2012, resulting in a positive change of 92.08%.This indicates that the balance sheet and financial strength for Heartland Community Bank (NE) has improved significantly in recent periods. Deposit Growth In the past year, Heartland Community Bank (NE) has increased its total deposits by $7.04 million, resulting in 14.51% 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 Heartland Community Bank (NE) 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. Heartland Community Bank (NE) has $63.12 million in assets with $4.39 million in equity, resulting in a capitalization level of 6.96%, which is below average.

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