Iowa - Nebraska State Bank

Iowa - Nebraska State Bank is headquartered in South Sioux City and is the 53^rd largest bank in the state of Nebraska. It is also the 3,103^rd largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 70 employees at 9 locations. Iowa - Nebraska State Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Iowa - Nebraska State Bank Checking Account Rates

Iowa - Nebraska State Bank Savings Account Rates

Iowa - Nebraska State Bank Money Market Rates

Iowa - Nebraska State Bank CD Rates

Data for Q1 2012

Institution Statistics Iowa - Nebraska State Bank FDIC Certificate # 8354 BankRate Report View Year Established 1920 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $201.11 million Loans $99.41 million Deposits $165.75 million Equity Capital $16.98 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $786,000 Historic Data - March 2011 Assets $204.59 million Equity Capital $15.42 million Loan Loss Allowance $2.86 million Unbacked Noncurrent Loans $5.49 million Real Estate Owned $530,000 Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 0.37% Return on Equity 4.27% Interest Income $1.70 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 Iowa - Nebraska State Bank had $2.06 million in non-current loans and owned real-estate with $19.97 million in equity and loan loss allowances on hand to cover it. This gives Iowa - Nebraska State Bank a Texas Ratio of 10.32% 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 Iowa - Nebraska State Bank decreased significantly from 32.94% as of March 31, 2011 to 10.32% as of March 31, 2012, resulting in a positive change of 68.68%.This indicates that the balance sheet and financial strength for Iowa - Nebraska State Bank has improved significantly in recent periods. Deposit Growth In the past year, Iowa - Nebraska State Bank has increased its total deposits by $1.9 million, resulting in 1.16% 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 Iowa - Nebraska State 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. Iowa - Nebraska State Bank has $201.11 million in assets with $19.97 million in equity, resulting in a capitalization level of 9.93%, which is average.

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