Nebraska Bank of Commerce

Nebraska Bank of Commerce is headquartered in Lincoln and is the 116^st largest bank in the state of Nebraska. It is also the 5,664^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 21 employees at 2 locations. Nebraska Bank of Commerce's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Nebraska Bank of Commerce Checking Account Rates

Nebraska Bank of Commerce Savings Account Rates

Nebraska Bank of Commerce Money Market Rates

Nebraska Bank of Commerce CD Rates

Nebraska Bank of Commerce IRA Rates

Data for Q1 2012

Institution Statistics Nebraska Bank of Commerce OTS # 18064 FDIC Certificate # 58724 BankRate Report View Year Established 2007 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $73.98 million Loans $56.14 million Deposits $59.81 million Equity Capital $6.29 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $141,000 Real Estate Owned $154,000 Historic Data - March 2011 Assets $61.97 million Equity Capital $6.87 million Loan Loss Allowance $857,000 Unbacked Noncurrent Loans $372,000 Real Estate Owned $154,000 Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 0.34% Return on Equity 3.9% Interest Income $931,000

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 Nebraska Bank of Commerce had $295,000 in non-current loans and owned real-estate with $7.35 million in equity and loan loss allowances on hand to cover it. This gives Nebraska Bank of Commerce a Texas Ratio of 4.02% 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 Nebraska Bank of Commerce decreased significantly from 6.81% as of March 31, 2011 to 4.02% as of March 31, 2012, resulting in a positive change of 41.02%.This indicates that the balance sheet and financial strength for Nebraska Bank of Commerce has improved significantly in recent periods. Deposit Growth In the past year, Nebraska Bank of Commerce has increased its total deposits by $13.44 million, resulting in 28.99% 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 Nebraska Bank of Commerce 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. Nebraska Bank of Commerce has $73.98 million in assets with $7.35 million in equity, resulting in a capitalization level of 9.93%, which is average.

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