North Loup Valley Bank

North Loup Valley Bank is headquartered in North Loup and is the 196^th largest bank in the state of Nebraska. It is also the 7,117^st largest bank in the nation. It was established in 1946 and as of March of 2012, it had grown to 5 employees at 1 location. North Loup Valley Bank has a 4-star health rating.

North Loup Valley Bank Routing Number: 104113709

Data for Q1 2012

Institution Statistics North Loup Valley Bank FDIC Certificate # 16468 BankRate Report View Year Established 1946 Employees 5 Primary Regulator FDIC Assets and Liabilities Assets $22.85 million Loans $9.53 million Deposits $20.94 million Equity Capital $1.79 million Loan Loss Allowance $249,000 Unbacked Noncurrent Loans $169,000 Historic Data - March 2011 Assets $22.04 million Equity Capital $1.79 million Loan Loss Allowance $211,000 Unbacked Noncurrent Loans $214,000 Profit Margin - Quarterly Net Interest Margin 2.52% Return on Assets 0.04% Return on Equity 0.44% Interest Income $186,000

Institution Health Overall Score: 4 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 North Loup Valley Bank had $169,000 in non-current loans and owned real-estate with $2.04 million in equity and loan loss allowances on hand to cover it. This gives North Loup Valley Bank a Texas Ratio of 8.27% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Loup Valley Bank held steady from 5.79% as of March 31, 2011 to 8.27% as of March 31, 2012, resulting in a negative change of 42.84%. This indicates that the balance sheet and financial strength for North Loup Valley Bank has held steady in recent periods. Deposit Growth In the past year, North Loup Valley Bank has increased its total deposits by $808,000, resulting in 4.01% 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 North Loup Valley Bank has shown is above average. 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. North Loup Valley Bank has $22.85 million in assets with $2.04 million in equity, resulting in a capitalization level of 8.94%, which is average.

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