McCook National Bank

McCook National Bank is headquartered in Mccook and is the 31^st largest bank in the state of Nebraska. It is also the 2,231^st largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 49 employees at 3 locations. McCook National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics McCook National Bank FDIC Certificate # 5434 BankRate Report View Year Established 1907 Employees 49 Primary Regulator OCC Assets and Liabilities Assets $292.51 million Loans $172.69 million Deposits $240.96 million Equity Capital $40.54 million Loan Loss Allowance $2.80 million Unbacked Noncurrent Loans $2.44 million Real Estate Owned $1.31 million Historic Data - March 2011 Assets $275.93 million Equity Capital $37.73 million Loan Loss Allowance $2.96 million Unbacked Noncurrent Loans $3.65 million Real Estate Owned $260,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.14% Return on Equity 8.38% Interest Income $2.95 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 McCook National Bank had $3.74 million in non-current loans and owned real-estate with $43.34 million in equity and loan loss allowances on hand to cover it. This gives McCook National Bank a Texas Ratio of 8.64% 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 McCook National Bank held steady from 9.61% as of March 31, 2011 to 8.64% as of March 31, 2012, resulting in a positive change of 10.09%.This indicates that the balance sheet and financial strength for McCook National Bank has held steady in recent periods. Deposit Growth In the past year, McCook National Bank has increased its total deposits by $19.08 million, resulting in 8.6% 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 McCook National 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. McCook National Bank has $292.51 million in assets with $43.34 million in equity, resulting in a capitalization level of 14.82%, which is excellent.

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