Institution Statistics
| NebraskaLand National Bank | | FDIC Certificate # | 34811 | | BankRate Report | View | | Year Established | 1998 | | Employees | 70 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $422.77 million | | Loans | $297.96 million | | Deposits | $358.48 million | | Equity Capital | $39.24 million | | Loan Loss Allowance | $4.54 million |
Historic Data - March 2011 | | Assets | $342.71 million | | Equity Capital | $31.96 million | | Loan Loss Allowance | $3.29 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.35% | | Return on Assets | 1.67% | | Return on Equity | 18.29% | | Interest Income | $5.39 million |
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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 NebraskaLand National Bank had $0 in non-current loans and owned real-estate with $43.78 million in equity and loan loss allowances on hand to cover it. This gives NebraskaLand National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, NebraskaLand National Bank has increased its total deposits by $70.26 million, resulting in 24.38% 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 NebraskaLand 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. NebraskaLand National Bank has $422.77 million in assets with $43.78 million in equity, resulting in a capitalization level of 10.36%, which is above average. |
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