Minden Exchange Bank & Trust Company

Minden Exchange Bank & Trust Company is headquartered in Minden and is the 63^rd largest bank in the state of Nebraska. It is also the 3,774^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 25 employees at 2 locations. Minden Exchange Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Minden Exchange Bank & Trust Company FDIC Certificate # 5439 BankRate Report View Year Established 1883 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $156.02 million Loans $54.63 million Deposits $127.32 million Equity Capital $20.14 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $14,000 Historic Data - March 2011 Assets $138.96 million Equity Capital $18.73 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $47,000 Profit Margin - Quarterly Net Interest Margin 2.74% Return on Assets 0.62% Return on Equity 4.49% Interest Income $1.14 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 Minden Exchange Bank & Trust Company had $14,000 in non-current loans and owned real-estate with $22.06 million in equity and loan loss allowances on hand to cover it. This gives Minden Exchange Bank & Trust Company a Texas Ratio of 0.06% 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 Minden Exchange Bank & Trust Company decreased significantly from 0.23% as of March 31, 2011 to 0.06% as of March 31, 2012, resulting in a positive change of 72.26%.This indicates that the balance sheet and financial strength for Minden Exchange Bank & Trust Company has improved significantly in recent periods. Deposit Growth In the past year, Minden Exchange Bank & Trust Company has increased its total deposits by $16.74 million, resulting in 15.13% 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 Minden Exchange Bank & Trust Company 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. Minden Exchange Bank & Trust Company has $156.02 million in assets with $22.06 million in equity, resulting in a capitalization level of 14.14%, which is excellent.

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