Omaha State Bank (NE)

Omaha State Bank (NE) is headquartered in Omaha and is the 30^th largest bank in the state of Nebraska. It is also the 2,226^th largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 101 employees at 6 locations. Omaha State Bank (NE)'s savings rates are 44% higher than the national average, but it has a 2-star health rating.

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Data for Q1 2012

Institution Statistics Omaha State Bank FDIC Certificate # 20628 BankRate Report View Year Established 1972 Employees 101 Primary Regulator FDIC Assets and Liabilities Assets $293.30 million Loans $270.37 million Deposits $244.08 million Equity Capital $26.27 million Loan Loss Allowance $5.90 million Unbacked Noncurrent Loans $14.31 million Real Estate Owned $1.91 million Historic Data - March 2011 Assets $317.19 million Equity Capital $28.94 million Loan Loss Allowance $3.04 million Unbacked Noncurrent Loans $9.75 million Profit Margin - Quarterly Net Interest Margin 5.31% Return on Assets 1.7% Return on Equity 19.44% Interest Income $4.00 million

Institution Health Overall Score: 2 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 Omaha State Bank (NE) had $16.23 million in non-current loans and owned real-estate with $32.17 million in equity and loan loss allowances on hand to cover it. This gives Omaha State Bank (NE) a Texas Ratio of 50.44% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Omaha State Bank (NE) increased slightly from 30.49% as of March 31, 2011 to 50.44% as of March 31, 2012, resulting in a negative change of 65.42%. This indicates that the balance sheet and financial strength for Omaha State Bank (NE) has declined slightly in recent periods. Deposit Growth In the past year, Omaha State Bank (NE) has decreased its total deposits by -$42.85 million, resulting in -14.93% 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 Omaha State Bank (NE) has shown is poor. 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. Omaha State Bank (NE) has $293.3 million in assets with $32.17 million in equity, resulting in a capitalization level of 10.97%, which is above average.

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