Institution Statistics
| Nebraska State Bank | | FDIC Certificate # | 16516 | | BankRate Report | View | | Year Established | 1946 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $13.00 million | | Loans | $5.25 million | | Deposits | $10.93 million | | Equity Capital | $2.05 million | | Loan Loss Allowance | $213,000 | | Unbacked Noncurrent Loans | $48,000 |
Historic Data - March 2011 | | Assets | $12.38 million | | Equity Capital | $1.98 million | | Loan Loss Allowance | $213,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.41% | | Return on Assets | 0.74% | | Return on Equity | 4.92% | | Interest Income | $127,000 |
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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 State Bank (16516) had $48,000 in non-current loans and owned real-estate with $2.26 million in equity and loan loss allowances on hand to cover it. This gives Nebraska State Bank (16516) a Texas Ratio of 2.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Nebraska State Bank (16516) has increased its total deposits by $561,000, resulting in 5.41% 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 State Bank (16516) 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 State Bank (16516) has $13 million in assets with $2.26 million in equity, resulting in a capitalization level of 17.37%, which is excellent. |
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