Henderson State Bank

Henderson State Bank is headquartered in Henderson and is the 65^th largest bank in the state of Nebraska. It is also the 3,815^st largest bank in the nation. It was established in 1943 and as of March of 2012, it had grown to 25 employees at 3 locations. Henderson State Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Henderson State Bank Routing Number: 104913530

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Data for Q1 2012

Institution Statistics Henderson State Bank FDIC Certificate # 17229 BankRate Report View Year Established 1943 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $153.70 million Loans $123.97 million Deposits $109.62 million Equity Capital $14.66 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $284,000 Historic Data - March 2011 Assets $151.51 million Equity Capital $13.26 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $1.75 million Profit Margin - Quarterly Net Interest Margin 5.27% Return on Assets 2.28% Return on Equity 24.5% Interest Income $2.48 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 Henderson State Bank had $284,000 in non-current loans and owned real-estate with $16.33 million in equity and loan loss allowances on hand to cover it. This gives Henderson State Bank a Texas Ratio of 1.74% 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 Henderson State Bank decreased significantly from 11.77% as of March 31, 2011 to 1.74% as of March 31, 2012, resulting in a positive change of 85.23%.This indicates that the balance sheet and financial strength for Henderson State Bank has improved significantly in recent periods. Deposit Growth In the past year, Henderson State Bank has increased its total deposits by $6.89 million, resulting in 6.71% 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 Henderson State Bank 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. Henderson State Bank has $153.7 million in assets with $16.33 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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