Institution Statistics
| Nebraska State Bank | | FDIC Certificate # | 13696 | | BankRate Report | View | | Year Established | 1924 | | Employees | 6 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $15.82 million | | Loans | $7.78 million | | Deposits | $13.51 million | | Equity Capital | $2.20 million | | Loan Loss Allowance | $123,000 | | Unbacked Noncurrent Loans | $258,000 |
Historic Data - March 2011 | | Assets | $14.24 million | | Equity Capital | $2.12 million | | Loan Loss Allowance | $135,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.18% | | Return on Assets | 0.74% | | Return on Equity | 5.13% | | Interest Income | $180,000 |
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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 (NE) had $258,000 in non-current loans and owned real-estate with $2.32 million in equity and loan loss allowances on hand to cover it. This gives Nebraska State Bank (NE) a Texas Ratio of 11.12% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Nebraska State Bank (NE) has increased its total deposits by $1.48 million, resulting in 12.3% 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 (NE) 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 (NE) has $15.82 million in assets with $2.32 million in equity, resulting in a capitalization level of 14.67%, which is excellent. |
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