Lincoln FSB of Nebraska

Lincoln FSB of Nebraska is headquartered in Lincoln and is the 26^th largest bank in the state of Nebraska. It is also the 1,981^st largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 99 employees at 14 locations. Lincoln FSB of Nebraska has a 3-star health rating.

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Lincoln FSB of Nebraska CD Rates

Data for Q1 2012

Institution Statistics Lincoln FSB of Nebraska OTS # 03896 FDIC Certificate # 29692 BankRate Report View Year Established 1906 Employees 99 Primary Regulator OCC Assets and Liabilities Assets $328.86 million Loans $266.97 million Deposits $245.01 million Equity Capital $32.22 million Loan Loss Allowance $7.94 million Unbacked Noncurrent Loans $23.11 million Real Estate Owned $6.59 million Historic Data - March 2011 Assets $339.78 million Equity Capital $37.12 million Loan Loss Allowance $3.46 million Unbacked Noncurrent Loans $5.89 million Real Estate Owned $29.25 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.08% Return on Equity 0.76% Interest Income $4.14 million

Institution Health Overall Score: 3 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 Lincoln FSB of Nebraska had $29.7 million in non-current loans and owned real-estate with $40.16 million in equity and loan loss allowances on hand to cover it. This gives Lincoln FSB of Nebraska a Texas Ratio of 73.96% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lincoln FSB of Nebraska held steady from 86.57% as of March 31, 2011 to 73.96% as of March 31, 2012, resulting in a positive change of 14.57%.This indicates that the balance sheet and financial strength for Lincoln FSB of Nebraska has held steady in recent periods. Deposit Growth In the past year, Lincoln FSB of Nebraska has increased its total deposits by $6.87 million, resulting in 2.88% 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 Lincoln FSB of Nebraska 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. Lincoln FSB of Nebraska has $328.86 million in assets with $40.16 million in equity, resulting in a capitalization level of 12.21%, which is excellent.

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